Archive for November 8, 2010

Question : help with a medicare part d plan?
now i have a medicare part d plan,but i need something better.it’s called siverscript.it doesn’t cover somethings i need and not all of what i have.(only part of the script not a full month supply)also i need to find a plan for when i go to see the doctor(a&b plans).i live on s.s. and s.s.i..also i live in Pennsylvania.cant anyone help or tell me the right path to go on?
medicare part d plans

Best answer:

Answer by Zarnev
Each insurance company will have their own drug formulary and the formulary can vary greatly. The formulary is the list of drugs and tells what is covered, at what tier level, and any special requirements. The special requirements could be prior authorization, step therapy, or quantity limits. It’s not that Silverscript is a bad plan; it is just a bad plan for you. I have several clients with them because they are the only plan that covers what those clients take.

There is no way anyone here will be able to help you. You need to check the formulary of each insurance company against your list of medications to find out which one covers you the best. If you talk with a local agent that works with all of the major plans in your area they will be able to do this for you if they’re any good. There is no extra charge using an agent.

While you are checking the formularies you’ll also want to check the Medicare Advantage plans available in your county. These plans are Medicare Part C, and are the plans that will cover doctor and hospital visits. The Advantage plans you’ll qualify for will also include drug coverage. These plans have a low or even a $ 0 premium in many counties.

Be aware that we are currently in the Medicare “lock-in” period. In most cases you will not be able to change your plan until the annual enrollment period, which runs from November 15 to December 31 and the new plan will be effective January 1.