Learn how to maximize your Medicare benefits

by CJ Blomquist

OptumCare

If you aren’t on Medicare yet, now’s the time to learn what goes into it! There are a lot of things to consider, and Carla Ibarra, an independent agent, shared with us her best tips and practices for reviewing your options.

“There are a lot of Medicare options out there, from regular Medicare to PPO to Medicare Advantage,” Ibarra said. “It can be really confusing to try to figure it out on your own. Working with an agent means being able to look at everything that’s out there. You can make a decision based on what best fits your needs.”

Know your doctors. “Most people want to stay with their primary-care doctor or a specific specialist,” she said. “An agent can find out which networks have the doctors you want most. It’s also important to think about nearby urgentcare clinics, just in case. Some networks have a lot of locations, while others are more limited.”

Make a list of your medications.

“Different plans have different costs for the same medications,” Ibarra explained. “Talk about confusing! If you’re taking medications, make a list and bring that with you to your agent meeting. Your agent can actually look at the different costs for each option. This way, you’ll be able to find plans that offer lower costs for your medications or find generic options that are more affordable.”

Don’t forget the extra stuff.

“A lot of plans offer more benefits than just medical coverage,” she said. “These include hearing aids, dental coverage, over-thecounter medications, grocery benefits . . . the list goes on and on! Maybe you’re into fitness and want a plan that has a gym membership and offers a Fitbit. Or maybe chiropractic care is important for you—there are plans that offer these services.”

Already on a plan? “Each plan changes each year, so it’s important to do your homework,” Ibarra said. “And these changes can be pretty big year to year. I like to meet with my clients each year to make sure they have the best coverage. If you have new medications or new needs, like transportation coverage, you want to make sure your current plan takes care of you. And if it doesn’t, it’s time to start shopping!”

In partnership with the Health Care Center, Ibarra is holding a special Zoom lecture on how to get the most from your Medicare search on Wednesday, April 7, from 10 a.m.-11 a.m.—and she will send small gifts to everyone who participates. Join the Zoom meeting by contacting Grecia Nunez, the HCC’s senior ambassador, at RSVPOptumHCC@mhealth.com.