Guest guest Posted January 21, 2012 Report Share Posted January 21, 2012 If you're shopping for a Medicare Part D plan, definitely go to http://www.medicare.gov/ to shop for both Part D & Medigap plans. Just enter in all your meds and it will calculate your estimated monthly cost. You didn't mention ADAP--do you qualify in your state? Even if you exceed the income limits, many states allow you in the program if you pay a share of cost--definitely worth checking out. Part D & MediGap plans can be very cheap--I pay $30 for a Humana Point-of-Service HMO that allows me to see me own out-of-network doc for a slightly higher co-pay. When switching over it may take a month or so to jump through all the hoops of getting authorizations for non-generic meds so that they are reimbursed at the best rate. Good luck!Jeff Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 22, 2012 Report Share Posted January 22, 2012 It’s very easy to get Medicare Part D prescription drug coverage. Personally, I just switched from private insurance to Medicare myself. The best starting point, if you have internet access, is to go to www.medicare.gov and use their plan finder; it will show you all the Part D plans available in your area that meet your criteria. If you are disabled, you should have a six-month guaranteed issuance period from the effective date of Medicare to obtain Part D, although the laws could be different in your state (I’m in Florida). You can apply for Extra Help at https://secure.ssa.gov/i1020/start or by calling Social Security at 1-800-772-1213. It’s all very quick and easy. With one phone call to a participating insurance provider from the www.medicare.gov site, you could be signed up today. - Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 22, 2012 Report Share Posted January 22, 2012 It’s very easy to get Medicare Part D prescription drug coverage. Personally, I just switched from private insurance to Medicare myself. The best starting point, if you have internet access, is to go to www.medicare.gov and use their plan finder; it will show you all the Part D plans available in your area that meet your criteria. If you are disabled, you should have a six-month guaranteed issuance period from the effective date of Medicare to obtain Part D, although the laws could be different in your state (I’m in Florida). You can apply for Extra Help at https://secure.ssa.gov/i1020/start or by calling Social Security at 1-800-772-1213. It’s all very quick and easy. With one phone call to a participating insurance provider from the www.medicare.gov site, you could be signed up today. - Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 22, 2012 Report Share Posted January 22, 2012 A couple of thoughts on this! I am on a Medicare Part D plan with Bravo and they have worked well for me. Ask them if you qualify to help with extra assistance that will cover your co-pays. The maximum you can make though is around $16,000 (just under $17,00 yrly) so I have to pay about $37 a month BUT ADAP picks up the major part of co-pay for my meds which runs about $600 a month and I cannot afford to pay that out of pocket. Now once I hit $4770 in payment on my meds then I fall into the donut hole and then will qualify for extra assistance. It seems like a big nightmare but you can't panic and it eventually all falls into place..... The biggest factor is you need to be on ADAP, if you aren't then you need to do it immediately, regardless of which Part D program you are on. Check with your local ASO to see if they do it. I have a link to a site can tell you but it only applies to a few states. What state are you in? Nena > > If you're shopping for a Medicare Part D plan, definitely go to > http://www.medicare.gov/ to shop for both Part D & Medigap plans. Just > enter in all your meds and it will calculate your estimated monthly cost. > > You didn't mention ADAP--do you qualify in your state? Even if you exceed > the income limits, many states allow you in the program if you pay a share > of cost--definitely worth checking out. > > Part D & MediGap plans can be very cheap--I pay $30 for a Humana > Point-of-Service HMO that allows me to see me own out-of-network doc for a > slightly higher co-pay. When switching over it may take a month or so to > jump through all the hoops of getting authorizations for non-generic meds > so that they are reimbursed at the best rate. > > Good luck! > Jeff > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 22, 2012 Report Share Posted January 22, 2012 A couple of thoughts on this! I am on a Medicare Part D plan with Bravo and they have worked well for me. Ask them if you qualify to help with extra assistance that will cover your co-pays. The maximum you can make though is around $16,000 (just under $17,00 yrly) so I have to pay about $37 a month BUT ADAP picks up the major part of co-pay for my meds which runs about $600 a month and I cannot afford to pay that out of pocket. Now once I hit $4770 in payment on my meds then I fall into the donut hole and then will qualify for extra assistance. It seems like a big nightmare but you can't panic and it eventually all falls into place..... The biggest factor is you need to be on ADAP, if you aren't then you need to do it immediately, regardless of which Part D program you are on. Check with your local ASO to see if they do it. I have a link to a site can tell you but it only applies to a few states. What state are you in? Nena > > If you're shopping for a Medicare Part D plan, definitely go to > http://www.medicare.gov/ to shop for both Part D & Medigap plans. Just > enter in all your meds and it will calculate your estimated monthly cost. > > You didn't mention ADAP--do you qualify in your state? Even if you exceed > the income limits, many states allow you in the program if you pay a share > of cost--definitely worth checking out. > > Part D & MediGap plans can be very cheap--I pay $30 for a Humana > Point-of-Service HMO that allows me to see me own out-of-network doc for a > slightly higher co-pay. When switching over it may take a month or so to > jump through all the hoops of getting authorizations for non-generic meds > so that they are reimbursed at the best rate. > > Good luck! > Jeff > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 23, 2012 Report Share Posted January 23, 2012 The interesting thing for me was I didn't pick out a plan. I was told by one of my case managers familiar with this process if I didn't pick one then Medicare would assign one for me, and they did and it's Bravo and they have been awesome. When I first started trying to navigate the Medicare website to search for a plan and I even called Medicare and the person on the phone was telling me my cost would be around $300-350 a month. I was panicked! That's when my case manager said not to panic, based on income Medicare would assign a reasonable plan for me and they did. So you may need to make several phone calls but that's why you must have ADAP or your co-pay portions will be very high! Nena > > It's very easy to get Medicare Part D prescription drug coverage. > Personally, I just switched from private insurance to Medicare myself. The > best starting point, if you have internet access, is to go to > <http://www.medicare.gov> www.medicare.gov and use their plan finder; it > will show you all the Part D plans available in your area that meet your > criteria. If you are disabled, you should have a six-month guaranteed > issuance period from the effective date of Medicare to obtain Part D, > although the laws could be different in your state (I'm in Florida). You can > apply for Extra Help at <https://secure.ssa.gov/i1020/start> > https://secure.ssa.gov/i1020/start or by calling Social Security at > 1-800-772-1213. It's all very quick and easy. With one phone call to a > participating insurance provider from the <http://www.medicare.gov> > www.medicare.gov site, you could be signed up today. - > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 23, 2012 Report Share Posted January 23, 2012 The interesting thing for me was I didn't pick out a plan. I was told by one of my case managers familiar with this process if I didn't pick one then Medicare would assign one for me, and they did and it's Bravo and they have been awesome. When I first started trying to navigate the Medicare website to search for a plan and I even called Medicare and the person on the phone was telling me my cost would be around $300-350 a month. I was panicked! That's when my case manager said not to panic, based on income Medicare would assign a reasonable plan for me and they did. So you may need to make several phone calls but that's why you must have ADAP or your co-pay portions will be very high! Nena > > It's very easy to get Medicare Part D prescription drug coverage. > Personally, I just switched from private insurance to Medicare myself. The > best starting point, if you have internet access, is to go to > <http://www.medicare.gov> www.medicare.gov and use their plan finder; it > will show you all the Part D plans available in your area that meet your > criteria. If you are disabled, you should have a six-month guaranteed > issuance period from the effective date of Medicare to obtain Part D, > although the laws could be different in your state (I'm in Florida). You can > apply for Extra Help at <https://secure.ssa.gov/i1020/start> > https://secure.ssa.gov/i1020/start or by calling Social Security at > 1-800-772-1213. It's all very quick and easy. With one phone call to a > participating insurance provider from the <http://www.medicare.gov> > www.medicare.gov site, you could be signed up today. - > Quote Link to comment Share on other sites More sharing options...
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