Medicare has been providing service to the citizens of the United States of America for almost half a century. It has helped a lot of people since its creation in 1965. Medicare is a health insurance program of the government that helps people 65 years old and above. It also helps people who are still below that age but have physical disability, congenital disorders and serious ailments. Medicare 2012 is surely another giant step as health provider. If you want to know more about this topic, you can read the tips and guide below.

Medicare basically offers medical several health services to people. Basically, Medicare has two programs: the Original Medicare and the Medicare Advantage Plans. The former consists of Part (Health Insurance) and Part B (Medical Insurance). Part A covers inpatient patients, skilled nursing facility care, nursing home care services, home health care services, hospital payments, and food. Part A is for patients who do not have long-term serious ailments. On the other hand, Part B gives help to patients who essentially need the doctors\’ services, outpatient care, home health service, and preventive services for serious sicknesses. Part B also covers certain tests and services like blood transfusion, kidney dialysis, organ transplantation, pneumonia and infection immunizations, and chemotherapy for cancers. Furthermore, it provides equipment for seriously-ill or impaired people by giving wheelchairs, canes, strollers, and prosthetic equipment like prosthetic limbs and breasts. Medicare itself gives this health coverage (Part A and Part B) where the patients can choose the hospital, the doctor or the provider it wants.

The Medicare Advantage Plan, by contrast, is not run by Medicare per se. It is run by private insurance companies that follow with the rules and regulations of Medicare. Usually, the insurance companies provide plans for the patients-plan hospital, doctors or health care providers. Anyone who doesn\’t want to avail of these plans may pay more or all of the costs. Medicare Advantage Plan also includes the Medicare Prescription Drug coverage which enables the patients to pay the medicines at a lower cost.

Medicare has some changes. There are some health reforms, new deadlines, and new rules. Beginning on October 15 until December 17, one can enroll for both drug and health plan at the same time. Also, starting January 1, 2012 until February 14, 2012, one can switch from Medicare Advantage Plan to Original Medicare Plans. Furthermore, there will be no co-payment for preventive services such as transfusion, immunization, dialysis and other \”wellness programs\”. Still one will still have to pay for other essential additional tests that the doctor or the hospital provides.

Another one change in Medicare 2012 includes protection form very high out-of-the-pockets costs. It is a good step for people which need very extensive and high-paying tests like chemotherapy, kidney dialysis and organ transplants. There will also be cheaper prescription drugs for those who need it.

All of the changes made by Medicare are to help the people who are enrolled and will enroll in it. With all these changes in Medicare 2012, surely, people can get better services at lower costs.

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Author Bio: If you are looking for the best medicare and medicare advantage plan, visit our site for more tips and information. Contact us for free medicare advice.

Category: Finances
Keywords: medicare advantage plan,medicare advantage,original medicare