This is one of many reasons why privatized healthcare does not work

Drug plans more confusing for nursing home residents
Prescription plans are hard to navigate and staff members can't choose for them

Medicare's new prescription drug benefit is about to start, and nursing home operators have had to become instant experts on the program, helping residents sort through a maze of choices.

More than 1.4 million people in nursing homes are among the 42 million Medicare beneficiaries who will be eligible to choose plans that would pay part of their prescription medication costs beginning Jan. 1. The new benefit represents the biggest expansion of the federal health program for the elderly and disabled since Medicare was created 40 years ago.

Many people in nursing homes aren't capable of wading through the drug benefit's mind-bendingly complicated rules and making informed decisions.

Source - San Francisco Chronicle

Healthcare is not something that you need to speak with your account in order to take an action. Healthcare is not something that you need to check the balance in your account or check your credit card status (how much credit card debt you have and how much more you can spend using your credit card) in order to go see a doctor because you do not feel well. Healthcare is not something that you need to look up some chart to see what is available to you and what is not. Medicare is a government program, but it is a result of that US privatizes healthcare; privatization of healthcare has only made healthcare in U.S. complex and confusing. This is one of many reasons why privatized healthcare does not work.