Medicare Benefit Changes and How They Affect Your Coverage

One consistent thing about Medicare is that it changes constantly. The changes may be included in the coverage you receive with Medicare Plan A and B, Medicare coverage rates, deadlines for when you can sign up, or change plans. Finding Medicare coverage that perfectly fits your lifestyle can be daunting in itself, let alone dealing with the associated changes in the constants. In many cases, it is great to work with a private Medicare insurance group that is tested and trusted. They will update you with change and will work with you to fully understand your changing needs and current circumstances. Not only can this save you time and frustration, but it also helps keep you from covering your needs, saving valuable resources.

Many changes took place with Medicare for the 2012 calendar year. An amendment is the registration period in which you are entitled to sign up for drug and health plan services. Another change is the period during which you can eliminate your Medicare Advantage option and enroll in Medicare instead. The new rules state that any change made to the plan will take effect on the first of the following month.

Another major change in Medicare began in 2011 and continued until 2012. This change included preventive services. This included things like flu shots, Pap smears, and other preventive services. The main costs previously held by patients and now falling into the preventive category include tests such as prostate screens, colonoscopies, bone density tests and diabetes testing. Even annual wellness exams are covered. Keep in mind, however, that your doctors and hospital services remain your responsibility, unless you have bought a different Medicare Supplemental Insurance Plan to cover these costs.

Medicare Advantage has also made changes to its managed care plan. The good news is that now, for additional safeguards, you are qualified by the increased cost of certain treatments than your other standard Medicare participants. The main areas in which this is seen are the areas of dialysis, chemotherapy, and nursing which are offered in the field of qualified care. It is also important to note that the Medicare Advantage Plan has recently set a maximum annual cost of ownership for all outpatient and hospital care.

The prescription requirement has also changed. Medicare Part D, prescription drug coverage will also contain some much needed relief in the paperback. If you regularly take prescription drugs, your expenses will be lower.  Get a quote for 2019 at

Another change that will take effect in 2012 is when participants are covered by Medicaid and Medicare. If you are staying in a nursing home, a long-term service or long term care facility, you will not be required to pay overpayments for prescription drugs.

Medicare changes are a given. Medicare offers many US health insurance plans when they reach the age of 65, helping to reduce the number of senior citizens who live without medical care. Finding out how the changes affect your individual circumstances can often be difficult. Confusion can be eliminated with the help of professionals familiar with the twists and turns within Medicare, which inevitably lead to more savings for your health care cost.