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Medicare Part D

Are you tired of paying full price for your prescription drugs?

Most of our visitors have two big questions when looking at their Medicare choices, “Are my doctors covered?” and “How much will I need to pay for my prescriptions?”

$110 billion. That’s how much retirees spent on prescription drugs in 2015. Prescription drugs can be a costly part of our daily health and considering 89% of all individuals aged 65 or older take at least 1 prescription drug, most of us are impacted by the cost of medication. This is where drug plans, known as Part D of Medicare, can help.

While Original Medicare covers hospital (Part A) and medical (Part B) care, prescription drug coverage is not included. Since most seniors rely on one or more prescriptions, it’s important to understand your options. As a Medicare participant, when you enroll in Medicare Prescription Drug Plan (Part D) you’ll receive coverage to help cover the cost of prescription drugs and limit your out-of-pocket expenses.

Common features of Medicare Part D plans include:

  • Coverage to limit your out-of-pocket medication expenses
  • $0 or low deductibles
  • $0 for a 90-day supply of Tier 1 or Tier 2 drugs at a preferred pharmacy
  • Coverage on thousands of generic and name-brand drug

Prescription drug plans are available to cover your drugs and protect you from high out-of-pocket drug costs. Whether you’re already enrolled, have questions about your options or don’t know where to start with Part D, our licensed TeleAgents are here to help. To speak to an agent now, call (888) 392-0262, (TTY:711)

Prescription drug coverage doesn't have to be confusing. We can help.

Back in 2018, Medicare beneficiaries had a choice on average of 23 Medicare Part D stand-alone Prescription Drug Plans and 17 Medicare Advantage Prescriptions Drug Plans in their area, according to the non-profit Henry J. Kaiser Family Foundation. With all these options, monthly premiums can vary widely between plans.

But monthly premiums are only part of your cost. You need to understand the plan’s formulary (the drugs it covers) and medication tiers (the cost you’re responsible for based on the prescriptions you take) to really get an idea what you’ll be paying every month. For example, are you currently on a generic drug but need to move to a brand name? Do they offer prescription discounts at a preferred pharmacy? Plans may handle these differently.

In addition, you’ll want to understand how the plan handles the Coverage Gap (more commonly known as the Donut Hole). Let one of our licensed Medicare insurance agent & senior insurance specialists help take the guesswork out of prescription drug coverage.

At HealthSpire we’re here to answer your Medicare questions and make sure you’re getting the best coverage for your specific needs. Do you need help finding prescription drug coverage? Are you unsure of your eligibility? Our TeleAgents are here to assist. Just give us a call at (888) 392-0262, (TTY:711)

Medicare Part D plans aren't your only choice for drug coverage

Medicare products

Another way to get prescription drug coverage is through Medicare Advantage Prescription Drug plans. These plans, sometime called MAPDs, offer a bundled approach by including Medicare Parts A & B coverage, as well as Part D prescription coverage in one plan. Medicare Advantage Plans may also offer additional benefits like gym memberships, vision, dental, hearing, transportation and nurse hotlines.

Your dedicated, licensed HealthSpire TeleAgent can listen to your needs and help you make the right choice

At HealthSpire, our mission is to help simplify Medicare coverage and help you find the right plan for you.

When you call us, we assign you a dedicated TeleAgent who will listen to your needs and goals, then make recommendations from the wide array of plans we offer from a range of insurance carriers. They’ll discuss your plan options, explain how the Donut Hole works, and make sure you get the drug coverage you need without paying excessive monthly premiums.

And once you decide the right fit for you, our team is here to walk you step-by-step through the enrollment process and support you once you’re ready to use your coverage.

To get assigned a dedicated, licensed TeleAgent committed to simplifying Medicare for you, just call (888) 392-0262, (TTY:711) from the comfort of your home at your convenience, or click here to schedule a time for us to contact you.

Malory Valdez, HealthSpire Licensed Medicare TeleAgent