Here are 6 tips in helping you choose the correct Medicare drug coverage:
If you’re wondering how to choose a Medicare drug plan that works for you, the best way is to start by looking at your priorities. See if any of these apply to you:
I take specific drugs.
Look at drug plans that include your prescription drugs on their formulary (a list of prescription drugs covered by a drug plan). Then, compare costs.
I want extra protection from high prescription drug costs.
Look at drug plans offering coverage in the coverage gap, and then check with those plans to make sure they cover your drugs in the gap.
I want my drug expenses to be balanced throughout the year.
Look at drug plans with no or a low deductible, or with additional coverage in the coverage gap.
I take a lot of generic prescriptions.
Look at Medicare drug plans with “tiers” that charge you nothing or low co-payments for generic prescriptions.
I don’t have many drug costs now, but I want coverage for peace of mind and to avoid future penalties.
Look at Medicare drug plans with a low monthly premium for drug coverage. If you need prescription drugs in the future, all plans still must cover most drugs used by people with Medicare.
I like the extra benefits and lower costs available by getting my health care and prescription drug coverage from one plan, and I’m willing to pick a drug plan with restrictions on what doctors, hospitals, and other health care providers I can use.
Look for a Medicare Advantage Plan (Part C) with prescription drug coverage.
Feel Free to Call Accurate Health Plans for a Free, No Obligation Review of Your Part D Coverage @ 1 (800) 235-0876