free drug plans for ala.residents on medicare where can i find a list of them?

Question

i have just started receiving medicare this month and i need a drug plan for my part d.

Answer 1

The new Medicare Part D benefit is structured like a catastrophic insurance policy. There are lots of different companies with lots of different kinds of plans--this can make selecting a plan very confusing!

There are lots of folks saying that Part D is "not much help." You will want to find out whether this is true for you or not. To answer this depends on several factors, including what kinds of prescription drugs you take, what kind of plan you are willing to accept, and whether the plan you want will pay for the specific prescription drugs you need. The way Part D Medicare is structured is definitely not a "one size fits every senior" deal. Each individual--even husbands and wives--needs to go through the process to determine what plan is going to meet their needs and will be the "best deal,"

Your local Area Agency on Aging has a list of plans available in your state. The Area Agency on Aging serving your county in Alabama has objective professionals who can help you sort out your options based on what you need and want so you can make the best decision possible.

Area Agencies on Aging are one of the best kept secrets around for seniors and caregivers who need information about consumer issues and Medicare Part D . They work with a lot of seniors everyday, so they are great resources who probably know the "scoop" on the different plans. (And they are not trying to sell you anything!) If you live in the United States or one of the territories, there is one serving your area. You can call toll-free 1-800-677-1116 to find how to contact the one serving you. You will most likely find the people there friendly and very helpful.

When you confer with these folks, it is important to know the name of the drugsyou are taking, the dosage required and the pharmacy that you prefer to do business with. All of these are factors you'll need to determine the best plan.

If you do contact your local Area Agency on Aging and like the help that they give you, let your local county officials and your folks in Congress know. Area Agencies on Aging don't have big budgets for advertising and certainly don't have budgets.
Also I know they would appreciate your voluntary contribution to help them support their work with other folks like you and your dad.

By the way, you are smart to be looking into signing up for Medicare Part D now. While you may determine that at this time it does not "pay" to enroll in a Medicare Part D plan now, you also need to speculate on whether the costs of your medications will escalate in the future. This is because for every month after Medicare beneficiaries become eligible to enroll in Part D, yet opt not to participate, the federal government will apply a 1 % (one percent) a month penalty. So, for example, if one became eligible to enroll in May and waited until November to enroll, this person will pay a six percent higher premium on this benefit for the rest of their life than the person who enrolled. The next open enrollment period for Part D is in November 15, 2006.

Hope this helps! Best wishes!

Answer 2

even as she indications up for section D, she'll probable develop into ineligible for the different courses. in case you do not tell the courses, they're going to have the right to recoup the cost of the drugs. She'll ought to pay a a million% penalty in accordance to month she will be in a position to not enrolled. section D develop into rolled out in 2006, and so we are searching at about a 132% advance in accordance to month for the accurate fee. If the customary accurate fee is $30, she'll ought to pay almost $70 a month.

Answer 3

Look on Medicare's web site.