Through Medicare plans, the federal government is providing affordable health programs to Americans over 65 and disabled ones. These plans enable them to receive high-quality treatment at cheaper premiums in the years when they are not working or not earning enough to take care of expensive medical and surgical treatments. Let’s get to know what are the benefits an insured can receive, what are diseases, diagnosis, and services covered and how to apply for a Medicare plan easily.

The offered health program takes care of the medical and surgical expenses of the policyholder as well as their loved ones. These benefits are provided in four parts: Part A, Part B, Part C and Part D. The Part A pays for the hospital care, nursing home care, skilled nursing facility, hospice care as well as the home health care. This means the senior citizens will receive the required inpatient hospital care under part A while part B covers the visits to the doctor and outpatient hospital care and some other care such as physical and occupational therapy.

Part C enables the healthcare providers to offer a plan to people who are eligible for Medicare. These organizations are supposed to provide all the basic benefits to the insured which are mentioned in Part A and B. Other than that, they can also provide additional benefits such as vision and dental care. However, they can limit the insured’s choice to choose a preferred doctor or hospital to control their charges. If the insured can’t find their preferred doctor or hospital in the plan, that can be a very big disappointment.

Under the part D, prescription drug benefits are provided to the insured where the provider covers the expenses of prescription drugs for life-threatening diseases. However, the insured may have to pay additional premiums to avail this benefit. Also, the premiums for part D may vary depending on the state and the interested buyers are supposed to query the same in your state before buying one.

Medicare programs provide a cover against the big and small diseases and help saving big on the treatment expenses. This includes the expenses on diagnosis tests, medical as well as surgical treatment of various serious illnesses. They cover almost every serious disease that includes but isn’t limited to Diabetes, Dementia, Heart attack, Stroke, Arthritis and other autoimmune disorders, Neurological disorders, Asthma and other chronic lung disorders, Mental illnesses like major depression, End-stage renal disease, Cancer, End-stage liver disease, Chronic alcohol and drug dependency, HIV/AIDS infection as well as Hemophilia and other hematologic disorders.

There is a long list of the diagnosis covered in a Medicare plan which includes but isn’t limited to Cardiovascular disease screenings, Abdominal aortic aneurysm screening, Alcohol misuse screening & counseling, Blood processing & handling, Cervical & vaginal cancer screenings, Depression screenings, Colorectal cancer screenings, Diabetes screenings, EKG or ECG (electrocardiogram) screening, Hepatitis C screening test, Lung cancer screening, HIV screening, Obesity screening & counseling, Prostate cancer screenings, as well as Sexually transmitted disease (STD) screening.

Along with that, they provide a cover for treatment-related services as well that includes Ambulance services, Chiropractic services, Diabetes supplies & services, Chronic care management services, Dental services, Dialysis (kidney) services & supplies, Emergency department services, Doctor & other healthcare provider services, Home health services, Federally Qualified Health Center Services, Laboratory services (clinical), Outpatient hospital services, Nutrition therapy services (medical), Preventive & screening services, Rural health clinic services, Surgical dressing services as well as Transitional care management services. This means if you qualify for Medicare plan, you will not need to pay any additional amount for the above-mentioned services. This may seem trivial while reading but ultimately helps to save big on their expenses.

Basically, there are two ways to apply for your Medicare plan and the first one is visiting their official site and filling out an application form with your specific requirements. Another option is calling their office and get your application filed on phone itself. Other than these, you can also visit their office or center in your state to gather the required information and file your application as well.