Is it better to go with a plan that doesnt cover generics in the 'donut hole' since some are available for $4 now.
Also, is it better to go with a lower premium with deductable?
Then to pay the higher premium per month with lower copays for each med?
It is so difficult to try and project into the future what meds we might be taking...let alone figure out which plan is the best option financially.
Posted by Lymetoo (Member # 743) on :
up for help
Posted by Snailhead (Member # 18091) on :
Hi, I was on a Medicare part D plan at the beginning of the year. I specifically looked for one that would cover IV Rocephin, which I found. (Humana) If you go to the Medicare website and do a search for Part D plans, they will show you some pretty comprehensive comparisons. I don't know if this helps you, but it is what I did.
Posted by WIZARD (Member # 4597) on :
I think you have the option of changing plans annually.
So if you make a decision, and it is the wrong one, you won't be stuck forever.
It is all very confusing, for sure.
Wizard
Posted by cantgiveupyet (Member # 8165) on :
thanks snailhead- and lymetoo for bumping the post.
I was able to get some excellent help from a friend today.
I have narrowed it down to two plans...bluerx or AARP look to be the best for me. I am with one of them now..not sure if I want to switch just for the lower premium or not.
Posted by sammy (Member # 13952) on :
If you can afford the higher premium and lower deductible/lower copays, go with that plan.
In general, I think that it would be easier to pay over time than to get hit hard with a large deductible and continuously high copays for meds.
It is a hard decision to make. Wise of you to ask around and get as much help as possible. Hopefully you will find the right plan for your needs.
Posted by hopeful4 (Member # 8486) on :
Did you go to the Medicare website that allows you to enter your medications and compare plans?
When you compare Medicare drug plans, be sure to look at the line that compares "Full Year Cost". That could influence your decision.
Also, the section that rates the plans in terms of customer satisfaction, customer complaints, etc., is useful.
Most of my current prescriptions are Tier 1, and not expensive to begin with. However, I entered in an expensive Tier 3 medication just to see what the copay would be, in case I may need a Tier 3 med. down the road. That helped me decide which to go with, too.
It's a crazy, completely user-unfriendly, system. I went to my local Area Agency on Aging for assistance. In years past I've gone to the SHIBA office.