We ended the first part of the series with two more parts of the Medicare benefits program to discuss. It must be noted that the first two parts of the benefits are the Original Medicare parts. These are the standardized health insurance programs. The ones to be discussed in this article are the one yet to be standardized since these are relatively new additions to the Medicare benefits.

The third part of the Medicare benefits is the Prescription Drugs coverage. This part of the Medicare coverage was only instituted in 2006. They included in the fine print that anyone with an existing Part A and Part B or hospitalization and medical insurance are also eligible for this part of the Medicare insurance plan.

For the patient to receive this coverage for prescription drugs, he must enroll himself into Medicare Advantage Plan or a Prescription Drug Plan. These types of plans are approved by the Medicare insurance program but are administered and seen to fruition by private health insurance companies. Plan holders may choose which drugs they wish to include and which drugs they wish to exclude from the said plans. However, Medicare authorities have excluded several types of drugs from the list of covered prescription drugs. These include, but are not limited to, cough medicine and barbiturates. The plans that for one way or another included these medicines into their plans are not to be payed by the Medicare insurance coverage.

The last part of the benefits of Medicare is the Medicare Advantage. Medicare Advantage is just a fancy name that means plan holders can choose to claim their original Medicare plans (Parts A and B) from private insurance health plans.

The main difference of Medicare Advantage from the regular Hospital and Medical Coverage is that it is not standardized. This means that the plan holders have a little freedom when it comes to choosing their plan’s payment schemes, for example. According to recent studies, more and more choose the Medical Advantage because of perceived greater returns for their insurance investment. Aside from the greater returns for the investment, Medical Advantage members also get better health benefits in the form of additional compensation from the savings generated by the said health insurance plan part.

Aside from the monetary gains of those who enroll in the newer Medicare Advantage plans, these type of Medicare plan also has features not available to the older and original Medicare Plans A and B. Some of these added benefits to those who avail of the Medicare Advantage plan are the following: dental care coverage, optical services coverage(referring to incidents with our eyes), and other types of services not included in the Hospital and Medical Insurance plans of old.

It is now up to the clients to choose which type of benefit plan to choose. Choose the first two plans and be one of the many who experience good health insurance coverage. Be one of those who choose to enroll in the Medicare Advantage, and enjoy the added benefits that they incorporate into the said insurance plans.

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