A common question we hear is, “How can you provide so many benefits without charging high premiums?” It’s a great question. Here’s how: The government pays private insurance companies like us to help take care of people with Medicare. By working smarter, eliminating waste and focusing on helping our members stay healthy, we’re able to save money, thus passing those savings on to members in the form of generous benefits, lower copays, no deductibles and low or $0 premiums. Not only does this benefit members, it makes us more competitive and helps us attract and retain more members in our plans.