Prescription Drug Plans???

[bunny213]

I'm hoping someone can help..we need to figure out a prescription drug plan..we are Disney Senior Citizens..on Medicare..but we're needing to have a prescription drug plan..it's so confusing..and when I try to figure it out on the internet..it gets even worse...does anyone know how to get some concrete information? Thank you so much..barb

 

[Calliaz]

bunny,

I am trying to help my aunt with the same, but am having trouble. I have gone on the website and entered her information, the medications she takes and the pharmacies. All I see are plans that cost a monthly premium of ~$25. I thought there were free plans? Anyway, I told her to call. I've heard that they can help more if you call. You can also call some of the big-name insurers and talk with them about their plans.

 

[buzz2400]

I just went through this with my parents. In CT, we had the choice of Connecticare or United Healthcare. The way the guy explained it to me is you have Medicare A and B. That is a given and you pay for it directly out of your social security. Then you have the option to get insurance through a major health insurance place like United Healthcare or Connecticare which is Medicare C. This will allow you to go to hospitals, doctors and get prescriptions. It works just like before you went on social security, like when you were working and your employer gave you health insurance.

You can opt for just Medicare D which is just for prescriptions but reasonably it is better to go with Medicare C.

Each health insurance company had a program with lower deductibles but you had to pay a premium ($119). They also each had a program where you paid a higher deductible but had no premium.

this webpage will give you better info: medicare.gov

You only have until 12/31/10 to sign up.

One thing you should remember if you already don't know, if you take generic drugs, you don't have to have a prescription plan. Walmart, Target, Stop and Shop, etc all give you a 90 day supply for $10.

 

[Jajone]

I work as a social worker in a hospital here and we get these questions a lot. I would recommend calling your local senior center. There is usually a specialist there that can help you review all your options.