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Transcript: 5 Tips for Choosing Your Health Plan

A woman in an orange jacket stands outside on a deck and addresses the camera.

WOMAN: Open enrollment season is here, and the options can sometimes feel overwhelming, so we have five tips to help pick the best health insurance plan for you in 2020.

A close-up shows a pair of hands typing on a laptop.

WOMAN: A good first step toward understanding your options is know the lingo.

The woman walks on the wooden deck towards the camera near a man sitting at a table working on his laptop.

WOMAN: What's a premium, deductible, or co-insurance?

ON SCREEN TEXT:          Premium

ON SCREEN TEXT:          Deductible

ON SCREEN TEXT:          Co-Insurance

WOMAN: Understanding those terms is important for making informed decisions. And if you want to decode it all, a website like JustPlainClear.com is a great place to start.

ON SCREEN TEXT:          JustPlanClear.com

A young girl draws on a piece of paper with a marker.

A woman sits between two young girls drawing at a table. She talks and laughs with them.

The woman in the orange jacket walks up and sits at the table near them.

WOMAN: Expecting a big change next year like a growing family or upcoming surgery? A good rule of thumb is to compare differences between plan designs and out-of-pocket limits to be as prepared as you can for what's around the corner.

A close-up shot shows the handle of a rowing machine moving back and forth, in and out of view.

The woman in the orange jacket walks up behind a man exercising on the rowing machine.

WOMAN: If you are already taking steps towards better health, many health plans will reward you for the hard work, offering financial incentives for exercising, not smoking, even taking a health survey.

The man exhales as he repeats repetitions on the machine.

The woman stands next to the man on the machine and addresses the camera.

WOMAN: Many Medicare Advantage plans even offer gym memberships at no additional cost.

An iPad is shown laying on a countertop. A man sits at the counter and picks up the tablet.

WOMAN: It's not always easy to make time for an in-office doctor's appointment.

The woman in the orange jacket stands next to the man by the countertop.

WOMAN: Consider a plan that offers 24/7 virtual visits.

The man taps the screen of the tablet.

WOMAN: You can talk to a doctor about common health issues in real time right from your device in the comfort of your own home.

A close-up shot shows a woman holding a coffee mug.

A woman sits on a couch next to someone else and laughs.

Four women sit on a couch and chat while holding coffee mugs. The woman in the orange jacket sits on a chair and addresses the camera.

WOMAN: Those with commercial insurance and those on Medicare may want to look into specialty benefits like dental, vision, and hearing insurance. You may be surprised to learn Medicare doesn't always cover those extras, but many Medicare Advantage plans do. So do your research before selecting a plan.

The screen fades to white and blue text appears.

ON SCREEN TEXT:          UnitedHealthcare