UnitedHealthcare Medicare Advantage plans available on the Big Island in Hawaii

Amid higher inflation, you may be looking at ways to adjust your lifestyle and spending habits. But when it comes to health care, it’s important to keep your well-being and budget in mind.

No matter where you live on the Big Island, UnitedHealthcare is now offering a low premium Medicare Advantage plan that provides benefits not offered by Original Medicare. This includes a free gym membership through the Renew Active® fitness program and dental benefits that can provide up to a $1,000 allowance for covered dental care. 

Choosing health coverage may seem overwhelming and complex but it doesn’t have to be. Here are some tips that can help you make the right decision for your health care needs:

1. Consider all your options

As you weigh your options, ensure you’re familiar with the difference between Original Medicare and Medicare Advantage. Take time to understand and compare the benefits, services and costs of each plan, so you can figure out which will work best for you. A good first step is to visit A Guide to Medicare -- a resource to help you understand health insurance lingo, including premiums, deductibles, copays and coinsurance.

Most Medicare Advantage plans provide access to virtual care, which can be easier and more affordable. Consider choosing a plan that offers 24/7 virtual care, if you prefer connecting with your provider from the convenience of your home.

2. Check your prescription benefits

You may be surprised to learn Original Medicare doesn’t generally cover prescription drugs. Consider adding Part D or a Medicare Advantage plan with prescription drug coverage to help keep your medication costs in check.

Knowing how to get the most out of your prescription drug benefits may help you manage costs. For example, check into discounts and lower-cost alternatives, including generics, which may be available. You may also be able to fill your prescriptions at a participating network pharmacy or with home delivery by mail — two more money-saving options.

3. Check for mental health coverage

Some plans offer virtual mental health care with a $0 copay, including UnitedHealthcare Medicare Advantage.

This may also include access to a large virtual network of therapists and psychiatrists. Some health insurers also offer advocacy services to help you find the right type of behavioral health care.

4. Don't forget about specialty benefits and wellness programs

 You may be surprised that Original Medicare doesn’t cover most dental, vision and hearing services, but many Medicare Advantage plans do.

Many Medicare Advantage plans also offer gym memberships and wellness programs at no additional cost to help you improve your overall well-being.

5. Anticipate next year's health expenses

 If you’re expecting a significant health event in the next year, such as a surgery or procedure, compare the differences in plan designs for that specific situation, including any out-of-pocket costs.

Medicare annual enrollment runs from Oct. 15 to Dec. 7. This is the time when those eligible for Medicare can review their current benefits or switch coverage for 2023.

To learn more about UnitedHealthcare Medicare Advantage plans, visit uhc.com/medicare.

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