It is an advantage to have a Medicare policy in your senior years to cover medical screening and to pick-up the kinds of diseases associated with old age early. These are offered by United Healthcare plans.
The plans have different parts to them, so you need to understand these to make sure that you are getting the cover that you expect.
In this article, we shall explore just what is missing from Parts A and B that will have you wanting to consider Part C to add the extras on and increase your cover and peace of mind.
The Different Types of Plans
United Healthcare plans, for example, will offer different types of plans to be considered. These will include those with names such as complete, access, choice, focus, secure horizons, and value. They all have their differences. So, it is important to read the coverage provided carefully to understand just what it is your plan covers. It is better to be 100% sure from the start than to find out later it is not included. If you are still not sure which plan to choose, you can contact a medicare consulting service to discuss the different types of plans in more detail.
What Does Part A and B of a Medicare Plan Cover?
Plans incorporating Parts A and B will cover preventative services. So, different types of screening such as for diabetes, breast cancer by way of mammograms, colorectal cancer screening, and cardiovascular screening to ensure your heart and circulation are staying healthy, will be covered. In addition, you can expect to have a bone mass measurement for those at high risk. For men, the prostate-specific-antigen (POSA) test will be covered.
Certain vaccine cover will be included within a policy, such as for flu, the pneumococcal shot, and Hepatitis B immunization. There will also be screening for Hepatitis C provided.
Counselling is included in plans to help someone quit smoking or to talk about alcohol misuse. There is also screening for alcohol misuse.
Apart from screening, depending on where you live, there might also be some access to various programs concerning disease or health management, fitness, or seasonal flu. Access to a nurse may be provided too by way of an advice line.
What is Covered Extra Under Medicare Part C?
When you extend to having Part C of a Medicare Plan, you will gain extra benefits that will further look after your health in the future. These include cover for prescription drugs, which we are likely to need more of when we get older, and also vision and hearing care. On top of this, fitness, and wellness programs. More complete cover can be obtained when you extend to this type of plan.
You may have heard of Part D, too. This is basically about how many of the prescription drugs or medicines will be covered under the plan. It is worth checking out which areas of the body you are covered for with medication when you have just the Part C plan extension. It may depend on your family history and which diseases you could potentially inherit through genes when it comes to making your decision.
Importance of Enough Cover
It is extra peace of mind to have the maximum coverage possible in terms of your health. Old age does bring more medical conditions and the ones we may have escaped when we were younger. For instance, a form of diabetes known as Type II can reach people in later life. It is a manageable condition but will cause sufferers problems with various parts of the body and make it more likely that they will need treatment for these. The eyes and feet, for example, can be affected. There is also the risk of blood sugar levels inducing a coma. It is about controlling insulin levels through controlled diets and/or medication. Screening to pick up diabetes early means that there is a greater chance of controlling it in a less intrusive way.
So, hopefully, the above gives you some idea of the benefits you can receive from the different parts of a Medicare plan so that you are as covered medically as you want to be.