Medicare began offering insurance coverage for prescription drugs through Medicare prescription drug plans. Insurance companies and other private companies work with Medicare to offer these plans. These plans help you save money on your prescription drug costs.
Medical practice has come to rely more and more on new drug therapies to treat chronic conditions and out-of-pocket spending on drugs has increased dramatically.
In order to get this prescription coverage, you must choose and enroll in a Medicare prescription drug plan that meets your needs. Here’s how you can get ready to take advantage of this new option.
Look over your current health insurance coverage. Are prescription drugs covered? What are your out-of-pocket drug costs?
Keep a list of the name, dosage, and cost of the prescriptions you use. Since different plans will cover different drugs, this will help you choose a plan that meets your prescription needs.
If you have a limited income, check your mail for an application to get extra help paying for a Medicare prescription drug plan. When you get this application, fill it out, and return it.
Millions of people qualify for a Medicare prescription drug plan with little or no premiums or deductibles, and low copayments. You might be one of them.
If you have prescription drug coverage through a former employer or union, check with your benefits administrator. Medicare prescription drug coverage may be different for you.
Read on to learn about Medicare prescription drug plans.
If you don’t use a lot of prescription drugs now, you still should consider joining. As we age, most people need prescription drugs to stay healthy.
For most people, joining now means you will pay a lower monthly premium than if you wait to join until later.
Who can join? When can I join? If you do not join a Medicare prescription drug plan you are likely to pay a higher monthly premium unless you currently have a drug plan that covers at least as much as a Medicare prescription drug plan.Unless you qualify for a special election period you willhave to pay this higher premium as long as you have a Medicare prescription drug plan. How much does it cost? Like other insurance, if you join, you will pay a monthly premium and a yearly deductible. You will also pay a part of the cost for your prescriptions, including a copayment or coinsurance. Costs will vary depending on which drug plan you choose. This Medicare directory is designed to provide Medicare eligible participants with many related resources. Here you will find Government resources and informational websites to answer all of your Medicare Health Insurance questions. Where can I get more information? Detailed information about Medicare prescription drug plans in your area can be obtained by calling the toll free number listed on this website or by completing a simple form click here • you will be able to get free personalized information on the web, or by calling • you can get free personalized counseling from your State Health Insurance Assistance or simply click here and one of our Medicare Advisors will assist you
Anyone withMedicare Part A and/or Part B can join aMedicare prescription drug plan offered in their area. If you are in a Medicare Advantage Plan (like an HMO or PPO), your plan may also offer drug coverage.
If you currently have Medicare Part A and/or Part B, you can join a Medicare prescription drug plan between November 15 and December 31, each year. Your Medicare prescription drug plan coverage will begin on January 1 and you won’t miss a day of coverage.
Some plans may offer more coverage and additional drugs for a higher monthly premium.
If you have limited income and resources, and qualify for extra help, you may not have to pay a premium or deductible.
Todays Medicare Plans
Medicare Supplement plans and general Medicare insurance information including facts forms and current plan pricing. This site also offers a toll free number with live free help.
NY Medicare
Information and facts for Medicare participants in NY state
NY Medicare Advisors
A team of Medicare consultants available to answer many of your general questions related to Medicare or Medicaid.
Blue Cross Medicare Directory
This is a directory for Blue Cross Medicare and insurance websites
California Medicare Plans
Medicare Advantage and Supplement Insurance information and enrollment materials
AARP by Secure Horizons
Plan details contact information and enrollment materials to assist all Medicare eligible participants to understand and enroll in an AARP Medicare Supplement or insurance plan.
AETNA
Main insurance site for those under age 65 looking for insurance coverage prior to Medicare eligibility
We will provide general information to help you get ready, including how to choose and join a plan that meets your needs.
Each Year
• you will get the “Medicare & You” handbook in the mail. It will list the Medicare prescription drug plans available in your area.
1-877-300-2214 to help you choose the plan that meets your needs.
