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MIDSOUTH HEALTHCARE |
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A TWO-FOLD STRATEGY TO EXPAND MEDICARE BENEFITS AND AT THE SAME TIME, CURB THE RISING COSTS TO MEDICARE, WILL BECOME EFFECTIVE IN 2006. THE BABY-BOOMERS ARE ABOUT TO START RETIRING AND WILL SWELL THE RANKS OF PEOPLE ON MEDICARE EXTENSIVELY. THE COST TO MEDICARE WILL BE HUGE. BY OFFERING MORE CHOICES IN COVERAGE, THE GOVERNMENT HOPES THAT MANY SENIOR CITIZENS WILL SWITCH TO ONE OF THE MEDICARE "ADVANTAGE" PLANS AND THERFORE TRANSFER A LARGE PART OF THE BENEFIT PAYMENTS TO PRIVATE INSURANCE COMPANIES. THESE PLANS ARE A COMBINATION OF HMO'S, PPO'S AND FEE-FOR-SERVICE PLANS. IN ADDITION, OTHER CHANGES ARE BEING MADE THAT WILL EFFECT MANY WHO ARE NOW ON MEDICARE, AND ALL FUTURE RETIREES. SOME OF THESE CHANGES ARE LISTED BELOW: 1. MEDICARE WILL NOW ALLOW NEW ENROLLEES TO GET AN EXAM SHORTLY AFTER ENROLLING, THIS NEW BENEFIT IS EXPECTED TO SAVE MONEY BY IDENTIFYING ANY CONDITIONS A PERSON MAY HAVE BEFORE IT BECOMES SERIOUS..... AND COSTLY. 2. NEW PLANS SUCH AS MEDICARE "ADVANTAGE" PLANS PLANS WILL NOW BE AVAILABLE.....THESE PLANS ARE SPONSORED BY PRIVATE INSURANCE COMPANIES. VARIOUS CO-PAYS ARE CHARGED FOR ALL SERVICES PROVIDED. PEOPLE WHO ENROLL IN THESE PLANS WILL RECEIVE THEIR BENEFITS FROM THEIR PLAN INSTEAD OF MEDICARE. (they will remain "enrolled" in medicare) MOST OF THESE PLANS WILL HAVE A "NETWORK" OF DOCTORS AND HOSPITALS THAT MUST BE USED. THESE PLANS ARE CALLED HMO'S AND PPO'S. THESE PLANS MAY PULL OUT OF YOUR AREA OR STATE IF THEY CHOOSE, AND COULD LEAVE YOU WITHOUT COVERAGE. 3. A NEW BENEFIT FOR PRESCRIPTION DRUGS WILL BE AVAILABLE TO ALL WHO RECEIVE MEDICARE BENEFITS, REGUARDLESS OF THEIR HEALTH OR AGE. THIS NEW DRUG BENEFIT, PART "D", WILL BE ADMINISTERED BY VARIOUS INSURANCE COMPANIES ON BEHALF OF MEDICARE. FOR ADDITIONAL INFORMATION, PLEASE CLICK BELOW
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