Would you mind telling me what plan you've enrolled in please?
I just called Medicare to make certain I understand enough to share my understanding of the Medicare D plan
Medicare #1800 -633-4227 after you have established you want to talk drugs -- say live person or person or talk - until you get a person to talk with. I had a doll! and she cleared up some misconceptions I had.
Just before I turned 65 I recd information from AARP
My dislike for AARP almost kept me from responding, but their power behind them and the information I got from my sister-in-law decided me to call.
I knew I wanted Fee For Service.
No reason to cut off my nose to spite my face ....
In Hawaii AARP negotiated with United Healthcare.
Blue Cross, Humana, and Aetna are other health ins. co
But it is important to remember cost vary in areas due to population,cost,demand.
I chose United Healthcare for my supplemental - plan J - which included a drug program. $250. deductible and a ceiling of around $3,000. Then it stopped for good until the next year.
Then, I believe, congress ruled all medicare must carry drug insurance. Hence the birth of D.
So AARP negotiated here and I ended up closing out the drug portion of my supplemental plan J and opting for Medicare D.
The government does NOT pay. United Healthcare will be billed. BUT my premium can be deducted from my sos check if I choose.
Sooo what did it get me -------
My drug portion of J was almost $60.00 per month
My Medicare D will be just under $23.00 (that varies from area to area even with United Healthcare but I think the range is just under $23. to under $34.00)
It is my understanding that all
there is no deductible with Medicare D, a co-pay, depending upon the drug, with Ins paying 100% until you reach $2,200something, then Ins. stops until you have paid aprox $1,200 out of pocket reaching $3,600 and then Insurance again kicks in paying out 95% and you pay the 5% --- that is the do-nut hole you hear about.
I'm open to be corrected!!