best medicare prescription drug plan?
Question:
Answers:
This all depends on the state you live in (I am assuming you're talking about Medicare Part D) - each state has different medicare prescription drug plans, which makes it even more confusing. To add on to this, each plan is different and unique on its own, and no one plan is the best for any one person - it really, truly, depends on what prescription drugs you are on now. If you go to the medicare website, they have a little option where you plug in exactly what prescription drugs you are on now, and it will tell you what plan covers all of those - that's the best way to go. Now, you want to be sure that you do this before May 15th, since after that it'll be closed for this year - you're already past the February 15th deadline, which means that you'll have to pay a little extra on premiums. Speak to your local pharmacist about what's right for you at this point in time, but make sure to consult the website - due to HIPAA laws, and various other state laws, your pharmacist is not legally allowed to recommend a specific plan to you.
Other Answers:
Okay, so the last person has no clue what they are talking about! There is no Feb 15 deadline, the deadline is May 15 and after that you will pay extra for the drug plan. Let me give you a few heads up; Just because the monthly premium may be lower on a certain plan does not mean that it is a better deal. Look for a plan that does not have an annual deductible (the amount you pay out of pocket before the plan starts paying). Also, make sure that the plan you choose covers all of your medications - every plan has a different list of drugs they cover. I am not sure if you know much about the plan but most plans have a coverage gap - a break in your coverage where the plan no longer pays for your meds (this is from the time your drug total, including your copays and what the plan pays total 2,250 until the time you spend 3,600 out of pocket); some plans offer to cover this gap at a much higher monthly charge for the plan. The average monthly cost is about $30 and these plans are normally $60 a month. If the "coverage gap" coverage is something that you would like to have, make sure you find a plan in your state that offers that benefit as well. Your best bet, call 1800MEDICARE or visit www.medicare.gov to see what the plans in your area cost and what drugs are covered.
Source(s):
Work for Medicare
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