When it comes to Medicare health benefits there’s a lot of information out there that you are entitled to, and you have a lot of options available. Let us help you determine what your options are and assist you in making your decisions. That’s what we do. Enrolling in a Medicare Supplement, Medicare Advantage, or Part D plan is easy. Making the decision on which one is most appropriate is the hard part. That’s where Med-Care Senior Insurance Solutions can be of assistance. We can help you avoid “analysis paralysis”.
MEDICARE ADVANTAGE PLANS
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FREE Prescription Discount Drug Cards
This is not insurance nor does this discount card have any cash value. Everyone is eligible for this program, there are no age or income restrictions and it's absolutely FREE! This card may be used at over 60,000 pharmacies nationwide, including most major chains. More Information »
The Arizona CoppeRX® Card is the free and simple prescription drug discount card available to ANY ARIZONAN. It is not insurance and all commonly prescribed medications are included in the program. Present your card at any of the more than 1,000 participating pharmacies throughout Arizona and save an average of 20% off the regular retail price. More Information »
Independent Licensee of the Blue Cross Blue Shield Association.
Medicare Part D Prescription Drug Plans
Medicare offers prescription drug coverage to everyone with Medicare. If you decide not to join a Medicare Prescription Drug Plan when you're first eligible, and you don't have other reditable prescription drug coverage, or you don't get Extra Help, you'll likely pay a late enrollment penalty.
To get Medicare drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare. Each plan can vary in cost and drugs covered.
When it comes to comparing Medicare Part D plans there are 4 IMPORTANT FACTORS to consider:
1. WHICH PROGRAMS ARE AVAILABLE IN YOUR STATE AND YOUR COUNTY?
Not all programs are available everywhere so don’t confuse yourself with programs that are not available to you.
2. ARE YOUR PRESCRIPTION DRUG ON THE DRUG LIST?
Each plan has its own Prescription Drug List called a Formulary. Some plans use a “tiered” Formulary. This means that you will pay a different co-payment depending on which “tier” your prescription drug is found. The lower the tier for your prescriptions then the lower your out of pocket costs will be.
3. IS A NETWORK PHARMACY LOCATED NEAR YOU?"
The plans are “teamed” with private and chain pharmacies. These approved pharmacies are a part of the plans pharmacy network. Most of the National Medicare Part D plans have over 50,000+ Pharmacies participating in their networks, including most major chains. If you use a small/local pharmacy, please be sure that the pharmacy participates in the plan’s network. Most plans will also offer mail order prescriptions.
4. WHICH PLAN FITS IN YOUR BUDGET?"
Naturally, we would all like the no deductible plan that covers all possible prescription drugs with no co-payment! If such a plan existed, it would be so expensive that no one could afford it.
FIRST CONSIDER WHAT IS MOST IMPORTANT TO YOU…
and then choose the plan with the best fit your overall needs.
- What is the plan’s monthly premium?
- Does the plan have an initial deductible (or is there first dollar coverage)?
- Does the plan provide co-insurance, co-payment or a combination?
- Does the plan provide any coverage in the coverage gap?