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Prescription Drug Program

Part D Plans

Medicare Part D plans provide prescription drug coverage. This coverage is not included in your basic Medicare coverage, and offered through private insurance companies or other Medicare approved companies. Every plan includes a formulary (a given list of medicinal prescriptions that are covered under a specific insurance plan). All insurance companies have a network of pharmacies that accept their plan.

Eligibility

Part D plans are available to those who are eligible for Medicare. This includes people who are 65 years or older, and U.S. citizens or permanent residents. It may also cover people under 65 with certain health conditions or disabilities. These disabilities include End-Stage Renal Disease (ESRD), or Lou Gehrig’s disease.

Enrollment Periods

You are eligible to enroll in Medicare Part D during the Initial Enrollment Period (IEP), which is the period of enrollment that begins 3 months before your 65th birthday, and ends 3 months after your birthday. Plans will begin on the first day of the month of a person’s 65th birthday. You may also enroll during Annual Enrollment (AEP), which occurs every year from October 15th to December 7th.

It is important to remember that there is a penalty charge added onto Medicare premiums for those who do not enroll in Part D during their Initial Enrollment Period around their 65th birthday. It is best to be prepared in advance and avoid these penalties!

Under 65?

Call our office if you have questions about turning 65, and we can help make sure you are prepared for this new stage in your life.

Every situation is unique, and many aspects are involved including if you are retiring or working past 65, if you are covered by insurance from your spouse, or if you are drawing Social Security.

These questions—and many more—can be answered during a no-obligation appointment with Bonnie in our office. Ensure you are better prepared for your retirement stage-let us handle the hassle!

Medicare & Drug Plans

The majority of Americans will enroll in the Medicare program by age 65. The Medicare program offers many benefits, but it also lacks benefits as well. Medicare Supplements, and Medicare Advantage plans are designed to help cover the gaps in costs not covered by Medicare.

At GoodInsurance, we offer health, Medicare, and prescription drug insurance plans from a wide variety of companies, to ensure we can meet the unique needs of each client. Schedule a consultation with Bonnie, where you will visit the office, meet the team, and work with Bonnie to determine the best plan choice for your specific needs. You and your spouse might even have different plans! It all depends on your individual needs.

In your one hour appointment, you will learn about Medicare, what health and drug plans will best suite you, understand the costs and benefits of your plan, and possibly enroll in your new plan, all in the same day! Bonnie can review the current plans on the market today, the gaps in each one, and provide examples of coverage, as well as your rights and protections. Non-obligation free reviews of your current plans are also always welcome.

We offer Insurance plans from several top rated Insurance companies, working with you to choose the best plan possible:

Mutual of Omaha Medica SilverScript UCare

Blue Cross Blue Shield WellCare Humana All State

United Health Care AETNA Health Partners

Medicare Health Insurance Plans Offered at GoodInsurance

Cost Plan

A plan designed for members who receive all or most of their care from the plan’s network of providers. All preventative care and emergencies are paid for in network. All clinic claims (Part B) go to the insurance company. Hospital (Part A), continue to Medicare. Fitness center benefits available.

Medicare Supplement

Designed to supplement the coverage provided under Medicare. Also known as a Medigap Plan, it pays for the gaps in Medicare A & B Coverage. Drug plan not included.

Medicare Advantage Plan

These plans provide Medicare benefits that can be purchased and received through private insurance companies. They can also include prescription drug coverage.