Get Help with Medicare

Medicare.Gov Planning Tool

LET US PUT OUR EXPERIENCE AND TECHNOLOGY TO WORK FOR YOU!
Our pharmacy utilizes the latest technology to help our customers choose the Medicare Part D plan that covers all of their medications, provides the best service, and saves the most money.  We provide this service to our customers at no cost.  Stop worrying about which plan to choose and leave all the clutter in your mailbox...put our experience and technology to work for you.

Special Enrollment Information
Individuals that have Medicaid/Medicare can change plans every 30 days.  If you enter a nursing home or just become eligible for Medicare, you can enroll in or change plans.  Individuals can enroll in a 5 star Medicare Part D plan at any time throughout the year.

Deductibles
The law sets the annual drug plan deductible.  A deductible is what the customer must pay before the insurance begins to kick-in. Some plans do not have a deductible.

Formularies
The law allows companies to set their own formularies.  A formulary is a list of drugs that are covered by a  particular plan.  These formularies can, and sometimes do, change during the year.  If your plan no longer covers your medications, you can change to a 5 star Medicare Part D plan during the year. 

Do you qualify for extra help?
Individuals with limited income and resources may qualify for extra help.  Extra help provides lower monthly premiums, lower annual deductibles, and lower copays.  You may call the Social Security Administration at 1-800-772-1213 to apply for extra help.

Medicare Advantage Plans
A Medicare Advantage plan works like an HMO.  When a patient chooses a Medicare Advantage Plan, they no longer have traditional Medicare A & B coverage.  Instead, all of their health care and drug coverage is provided by an insurance company of their choice.  In the short-run, these plans can save customers between $1,200-$1,800 per year.  However, these plans charge deductibles and copays for almost every service you receive.  These plans usually cost about $150 per day for every hospital stay.  The maximum out-of-pocket expense is $6,700 per year.  In the long-run, a person who is unhealthy may actually spend up to $4,000 extra rather than having traditional Medicare, an insurance supplement and a drug plan.  Patients should use caution in choosing this option.

Medicare Planning Tool
You can enter your drug information, pharmacy, and personal choices into the Medicare.gov planning tool.  The tool will provide the list of options that are best for you based on your medications and needs.  The list will be presented from cheapest annual option to most expensive annual option.  Only plans that include all of your medications will usually be included in the list.  
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Last Updated: 1/28/2016
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