(BPT) – If you’re turning 65 in 2017 or 2018, you’re one of 10,000 people who become Medicare-eligible each day. Choosing Medicare prescription drug coverage can be confusing, especially for the first time. You may have questions about which plan fits your healthcare needs and budget or how to enroll. The good news is, it doesn’t have to be overwhelming if you know these four rules.
Rule #1: Lower premium plans may mean higher costs. Plans with a lower premium may end up costing more in the long run if they have higher drug copays, which can really add up.
Rule #2: Not every plan covers every drug. Drug lists (formularies) can change every year and so can the drugs you take. Be sure to check your plan’s formulary each year to make sure any medications you take are covered.
Rule #3: Check that there are pharmacies close to you. That way, it’s easier to fill your prescriptions. Select a plan with a wide range of ‘preferred’ pharmacies, which typically offer lower co-pays than standard pharmacies in the network. Also, see if using a home delivery pharmacy or a 90-day supply could lower your costs even more.
Rule #4: Look for 24/7 access to pharmacists and Medicare experts who can answer questions about your medicines and offer drug safety tips, money-saving alternatives and expertise in drugs to treat specific conditions.
Also, remember to check the Medicare Part D plan’s Star Rating. This is the overall quality and performance rating (out of 5 stars) based on member satisfaction surveys and other measures by The Centers for Medicare & Medicaid Services (CMS).
For more information, please visit www.Medicare.gov or www.RoadmapForMedicare.com. To talk to an Express Scripts Medicare adviser, call 1.866.544.3794, 8 a.m. to 8 p.m., 7 days a week (TTY users: 1.800.716.3231).
Brandpoint – Free Online Content
* Why has inequality continued to increase in the face of an economic recovery? Why is social mobility higher in Canada than in the United States? What explains a persistent and growing educational achievement gap between high and low income families? How does the United States look in comparison to other countries? Raj Chetty, Emmanuel Saez, and Glory Liu help us examine these questions.
Election 2016 will attempt, with the help of experts, to make sense of an election that defies all historical precedent and to take stock of the health of American democracy.
For more on Election 2016, visit:
View the entire Election 2016 video series:
3. Inequality and Opportunity
Health & Vitality: the Way to Good Health
Start living a healthy life now: Here is your 7-day plan ==> Having sworn to yourself that you’ll go to the gym in the morning, how many times have you changed your mind after you woke up and did not feel like working out? We all have days when we lose our motivation to get […]
Science-based Suggestions for self-confidence
A recent study shows your perception of your own image has a profound effect on how you present yourself to the rest of the world. Those findings could be empowering since even small changes to your self-care routine can significantly boost your self-confidence. The study by researchers at the Stanford Graduate School of Business found […]
5 ways to feel good while getting fit
(BPT) – Setting intentions is a powerful thing. Then when you have that shiny new gym membership in hand, you feel like nothing stands between you and your goals to get in shape once and for all. Trouble is, lack of motivation, unpreparedness and busy schedules have a way of interfering with our plans. If […]
When buying hearing aids: 6 essential things to know
(BPT) – Being an informed health care consumer is hard work. There is information everywhere. But how do you sift through it and make sense of it all? And how do you know what is reliable and what isn’t? Sorting through the noise when buying hearing aids is no exception. In the past several months, […]