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Medicare is different this year because of health care reform, and if you’re not aware of how this important program has changed, pay attention.

The Medicare program can be confusing because of its many different parts, supplemental coverage options and specific Medicare enrollment periods for different products. All of these nuances can make Medicare hard to understand for new enrollees as well as for those who have been on the program for a number of years.

If you’re new to the program or even if you’re a seasoned Medicare veteran, here are six things you should know about the program heading into 2012.

Be aware of deductibles, co-insurance, out-of-pocket limits and prescription drug costs

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