As we move towards to 2022, many Americans are now seeking to find the best Medicare plan for both protection of their own health and their family. It is important to understand that there are several factors that influence which plan will offer the best coverage for you as an individual, as well as what some of the most popular plans entail. This is especially true in light of recent changes in Medicare which may require Americans to switch over their insurance provider and coverage.
Every year between October 15 and December 7 anyone who is on Medicare is eligible to update and change their plan so making sure to be up to date with relevant changes is strongly recommended. Not only for the tremendous savings involved but also having the best medicare protection for you and your family. Luckily a quick and easy online search can show you a unique and catered Medicare program just for you.
If you’re ready to make changes or simply contemplating on your Medicare coverage for 2022 this is what you need to know.
Teleservices Will Front a Post-Pandemic Medicare
Medicare proposes major updates moving on from the Pandemic with new changes that aim to allow seniors to get medical care via Telehealth. These changes would include the reduction of Medicare Part B fees, which are charged for medical services delivered in person or over the phone. The proposal also includes the allowance of Medicare Part B coverage for Telehealth services. The key provision of the changes is to eliminate the requirement that a licensed health care provider must be in-person at the location where services are delivered in order to receive Medicare reimbursement.
The measure of these changes is to promote Telehealth and reduce out-of-pocket costs for seniors by allowing them to have their doctor see them over the phone rather than face-to-face.1
Medicare Part A Changes in 2022
Medicare Part A is a free coverage, often referred to as ‘hospital insurance’. The plan provides coverage for inpatient care during hospital admittance, skilled nursing facilities, and home health care in certain scenarios. When an individual turns 65, Medicare Part A eligibility is automatic. No premium is paid unless they have less than 40 quarters – equal to about ten years – of work history (1% of enrolees).
Although most Americans do not pay a premium for Part A, out-of-pocket costs must be paid when care is needed. This can be very costly and often dramatic experience for those not prepared for the rising costs of Hospital and Medical fees.2
Medicare Part B Changes in 2022
Medicare Part B is the basic supplemental plan that provides outpatient and some inpatient care for seniors 65 and over. Unlike Part A, which is a hospital insurance plan, Part B is a non-insurance medical coverage plan. It covers doctor visits, outpatient care, some skilled nursing facility costs and other short-term needs without prior authorization or deductibles. Like Part A, Part B is also required by the government, but all Americans are required to have Part B.
Therefore, most employers provide most senior and disabled Americans with this plan as a contractual requirement of employment. Many seniors will never enroll in it on their own because they feel it is not worth the premium; however, others will enroll or may need to sign up for that reason.3
Find Your Perfect Medicare Plan With An Online Search
With so many options available custom fit to you and your family needs there has never been a better time to do an Online Search for all Medicare related information and packages available to you.