What is the best Medicare Part D for me? Please Read the Details!?

Question

I need help and 1-800-Medicare is doing nothing. I am 33 years old and disabled. I became eligible for Medicare in October of 2006. I would concider myself to be very saavy when it comes to reading the 'fine print' of any document let alone a complex medical plan. Unfortunately I accidently signed up for a Medicare Advantage Plan (Blue Cross Advantage HMO) which is the opposite of what I wanted to do. You see, I must have physical therapy to survive, and BCBS will not authorize it under my new HMO. Fortunately I have only been on the plan since 10/1/06. So today open enrollment begins and I am so happy! But I don't want to sign up for the wrong plan again and be trapped for an entire year! I qualify for the subsidy to pay 100% of my Part D. SO here is what I am looking for: I only want parts A, B and D. I DO NOT want a Medicare advantage plan. I live in Nashville, TN and would like to know the best plan for me - please help me! I don't know what to do! Thanks in advance.

Answer 1

If you take a list of your present medications to a pharmacy, they can tell you which Medicare Part D Plan covers your particular drugs best. I know Walgreens does it and they are all over the place. Just call some pharmacies in your area, and see if they offer the service. Try to do this at a couple of different drug store chains, because not all drug stores are approved providers for the different plans. Different areas of the country have different Part D plans available. Some plans charge a higher premium for the drug coverage, but have no deductibles and cover more drugs. Trying to sort this out yourself is almost impossible. Above all, avoid any plan like the one you have. BC/BS did the same thing here, and made it sound wonderful. Then, the poor folks found out that not only did it cover the bare minimum of drugs (and only generics, at that), but it limited their access to other health care. There is so much to consider, it can make your head spin. It took my husband and I four "seminars" when this thing first came out, to finally understand it. We aren't stupid either. He is a retired engineer and I worked in various administrative positions during my work life.

At this point, he is enrolled in Humana and I am enrolled in United Health Rx. The one plan is better for him and the other is better for me. Go figure.

Answer 2

go to www.medicare.gov and use their plan comparison tool. I would do it for you, but I don't know what medications you're taking and that's one of the factors in determining what plan is best for you. Contact me privately if you need help- it's what I do for a living.

Answer 3

I have no idea.