Medicare Part D

Medicare Part D offers prescription drug coverage within a regular Part D prescription
drug plan or through some Medicare Advantage plans. If you are already receiving
coverage from Medicare parts A and B, you must sill actively enroll in Part D and
be sure to choose a plan that covers the prescriptions you need. You can no long
purchase Medigap plan that includes prescriptions drug coverage.

When choosing a Part D prescription drug plan keep these few things in mind:

Know what drug your Part D program covers.  You must know whether the plan covers
the medication you are using or could use in the near future. Also, find out whether
that particular plan covers generic as well as branded versions of the drugs. 

What pharmacies do you buy or will buy your prescriptions from? Medicare prescription
drug plans limit drug purchases to an exclusive network of pharmacies. If you purchase
medication from a pharmacy that does not belong to your prescription plan network you
could end up paying a higher co-payment. Make sure you understand the network you
belong to.

Will you need "donut hole" coverage?  While recent legislation has brought some relief
to the amount you could spend if you reach this gap in coverage, you could still end up
spending thousands out of pocket. If you expect you might have expensive medications
or a high number of prescriptions in the future you might want to consider getting Part D
plan with donut hole coverage.

Individual Part D plan options vary from state to state and offer various levels of coverage
for different drugs. Make sure you compare premiums and co-payments from different
companies.

We specialize in Medicare Advantage plans and  Medicare Supplement plans so contact our
agency and an agent can assist you and make sure you fully understand your options and make
sure you get the best rates available. We cover Southern California,counties of Riverside,
San Bernardino and surrounding area's. We also cover Nevada and all of Utah.  Please visit
 us online at Medicareplansdirect.net or call 760-413-9749.

Sincerely,
Tom Caress
760-413-9749