WEBVTT NOTE language:en-US NOTE Confidence: 0.9520670771598816 00:00:06.720 --> 00:00:09.615 Did you know that most dialysis patients will be eligible NOTE Confidence: 0.9520670771598816 00:00:09.666 --> 00:00:11.800 to apply for new health insurance options? NOTE Confidence: 0.899149477481842 00:00:12.480 --> 00:00:15.756 If you have end stage renal disease or ESRD, you NOTE Confidence: 0.899149477481842 00:00:15.825 --> 00:00:19.375 may now be eligible for a type of Medicare coverage, NOTE Confidence: 0.899149477481842 00:00:19.443 --> 00:00:21.559 it's called Medicare Advantage. NOTE Confidence: 0.9513577818870544 00:00:22.040 --> 00:00:25.080 Why might you be interested in learning about Medicare Advantage? NOTE Confidence: 0.9644028544425964 00:00:25.480 --> 00:00:28.622 With Medicare Advantage, you may be able to enjoy extra NOTE Confidence: 0.9644028544425964 00:00:28.679 --> 00:00:31.079 benefits not covered by Original Medicare. NOTE Confidence: 0.9348249435424805 00:00:31.640 --> 00:00:36.664 This may include routine vision, dental and hearing coverage, transportation NOTE Confidence: 0.9348249435424805 00:00:36.730 --> 00:00:40.960 to doctor visits, over the counter drugs, Wellness programs like NOTE Confidence: 0.9348249435424805 00:00:41.026 --> 00:00:44.199 gym memberships, and care coordination services. NOTE Confidence: 0.9648364186286926 00:00:44.400 --> 00:00:47.606 Medicare Advantage also may help you manage all of your NOTE Confidence: 0.9648364186286926 00:00:47.665 --> 00:00:51.280 benefits, including prescription drug coverage under one plan. NOTE Confidence: 0.9106355309486389 00:00:51.520 --> 00:00:54.950 If you think a Medicare Advantage plan sounds interesting, there NOTE Confidence: 0.9106355309486389 00:00:55.004 --> 00:00:56.880 are a few important things to know. NOTE Confidence: 0.9141120910644531 00:00:57.120 --> 00:01:01.292 First, Medicare Advantage plans may have different costs than your NOTE Confidence: 0.9141120910644531 00:01:01.356 --> 00:01:02.999 current Medicare coverage. NOTE Confidence: 0.9436638355255127 00:01:03.320 --> 00:01:07.276 Many Medicare Advantage plans have premiums as low as $0.00 NOTE Confidence: 0.9436638355255127 00:01:07.343 --> 00:01:07.879 a month. NOTE Confidence: 0.9426015615463257 00:01:08.000 --> 00:01:10.760 However, some plans may cost more. NOTE Confidence: 0.9495269656181335 00:01:11.160 --> 00:01:14.972 Second, Medicare Advantage plans include a yearly limit on what NOTE Confidence: 0.9495269656181335 00:01:15.033 --> 00:01:18.120 you pay out of pocket for covered medical services. NOTE Confidence: 0.937782883644104 00:01:18.400 --> 00:01:21.356 Once you reach your plans limit, you'll pay nothing for NOTE Confidence: 0.937782883644104 00:01:21.409 --> 00:01:23.559 those services for the rest of the year. NOTE Confidence: 0.9362601637840271 00:01:23.920 --> 00:01:27.880 This yearly limit doesn't exist with your current Medicare coverage. NOTE Confidence: 0.9009270071983337 00:01:28.319 --> 00:01:31.218 So when choosing a plan, it's a good idea to NOTE Confidence: 0.9009270071983337 00:01:31.283 --> 00:01:35.433 think about your total potential healthcare costs, not just the NOTE Confidence: 0.9009270071983337 00:01:35.499 --> 00:01:38.199 bill or the premium you'd pay each month. NOTE Confidence: 0.8697342872619629 00:01:38.720 --> 00:01:42.336 Third, it is important to check whether your current providers, NOTE Confidence: 0.8697342872619629 00:01:42.393 --> 00:01:46.182 such as your doctors, dialysis facility, and transplant center are NOTE Confidence: 0.8697342872619629 00:01:46.239 --> 00:01:48.879 in network with the plans you are considering. NOTE Confidence: 0.9261944890022278 00:01:49.240 --> 00:01:52.874 Medicare Advantage plans may have a specific network of contracted NOTE Confidence: 0.9261944890022278 00:01:52.929 --> 00:01:53.479 providers. NOTE Confidence: 0.9640076160430908 00:01:53.720 --> 00:01:56.611 This network could differ from the network of your current NOTE Confidence: 0.9640076160430908 00:01:56.661 --> 00:01:57.160 insurance. NOTE Confidence: 0.9100868105888367 00:01:57.520 --> 00:02:00.947 Some providers may not accept all Medicare Advantage plans, and NOTE Confidence: 0.9100868105888367 00:02:01.001 --> 00:02:03.449 it may cost you more to see providers who are NOTE Confidence: 0.9100868105888367 00:02:03.504 --> 00:02:04.320 not in network. NOTE Confidence: 0.9394282102584839 00:02:04.840 --> 00:02:08.612 Finally, if you have secondary insurance, it's important to understand NOTE Confidence: 0.9394282102584839 00:02:08.666 --> 00:02:11.199 if this coverage works with Medicare Advantage. NOTE Confidence: 0.8402472138404846 00:02:11.480 --> 00:02:14.556 For example, you cannot have a Medic Gap plan and NOTE Confidence: 0.8402472138404846 00:02:14.619 --> 00:02:17.319 a Medicare Advantage plan at the same time. NOTE Confidence: 0.9529646635055542 00:02:17.680 --> 00:02:21.281 Other types of insurance, like Medicaid, do work with Medicare NOTE Confidence: 0.9529646635055542 00:02:21.339 --> 00:02:21.919 Advantage. NOTE Confidence: 0.9515547156333923 00:02:22.480 --> 00:02:26.015 To wrap up, Medicare Advantage may offer extra benefits to NOTE Confidence: 0.9515547156333923 00:02:26.076 --> 00:02:26.320 you. NOTE Confidence: 0.9225487112998962 00:02:26.919 --> 00:02:30.096 If you are interested in Medicare Advantage, you can enroll NOTE Confidence: 0.9225487112998962 00:02:30.150 --> 00:02:32.520 during the Open Enrollment period this fall. NOTE Confidence: 0.9399421215057373 00:02:32.960 --> 00:02:36.320 It runs from October 15th to December 7th. NOTE Confidence: 0.9133389592170715 00:02:36.720 --> 00:02:39.160 Your new coverage would start January 1st. NOTE Confidence: 0.94834965467453 00:02:41.000 --> 00:02:43.985 If you do not enroll during the open enrollment period, NOTE Confidence: 0.94834965467453 00:02:44.040 --> 00:02:46.537 you generally have to wait a full year to sign NOTE Confidence: 0.94834965467453 00:02:46.591 --> 00:02:47.080 up again. NOTE Confidence: 0.9393620491027832 00:02:47.919 --> 00:02:50.921 As with all insurance decisions, it's your choice to enroll NOTE Confidence: 0.9393620491027832 00:02:50.972 --> 00:02:53.669 in the health insurance coverage you feel is best for NOTE Confidence: 0.9393620491027832 00:02:53.720 --> 00:02:54.280 your needs. NOTE Confidence: 0.9766489267349243 00:02:54.960 --> 00:02:57.680 This means you do not have to change your insurance. NOTE Confidence: 0.968609631061554 00:02:58.520 --> 00:03:00.640 Want to learn more about your coverage options? NOTE Confidence: 0.901287317276001 00:03:01.160 --> 00:03:04.825 DaVita Benefits Navigators are your go to resource for helpful NOTE Confidence: 0.901287317276001 00:03:04.884 --> 00:03:07.840 and unbiased information about Medicare Advantage. NOTE Confidence: 0.904221773147583 00:03:08.480 --> 00:03:11.501 Ask your social worker or insurance counselor for a handout NOTE Confidence: 0.904221773147583 00:03:11.553 --> 00:03:12.680 with more information. NOTE Confidence: 0.9697397947311401 00:03:13.360 --> 00:03:21.640 Feel free to give us a call today at 1-833-959-1724.