With so many options available, how do you pick the BEST MEDICARE PART D PLAN for you??? Call us today at iHealthBrokers at 8884100344. Our services are 100% FREE!!!

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Medicare Part D is one way you can access prescription drug coverage. The other, of course, is Medicare Advantage. Remember, Original Medicare and Medicare Supplement Plans do NOT offer prescription drug coverage.

Part D Plans are federally regulated but they are offered by private carriers. So, the Federal government sets certain criteria that all plans must adhere to at a bare minimum. However, because the plans are offered by private carriers, the carriers often offer better benefits to compete for your business. So, how do you know which plan is right for you?

Our advice is, of course, to work with a broker. A broker works for you, not the insurance carrier. They can help you compare all the different plans available to match you with the plan that best matches your needs and budget. Make sure to work with a licensed broker! And as a side note, many brokers do not charge for their services (we don’t) so you’ll get a little extra bang for your buck if you work with a broker who does not charge any additional fees.

If you want to do the legwork on your own, then you’ll want to head over to Medicare.gov.

1. Higher premiums usually mean lower deductibles and vice versa. Decide which route is right for you.
2. Determine the cost for any prescription drugs you may be taking and add into that your monthly premium as well as your deductible.
3. Compare the cost of your prescriptions at different stages on different plans. Also compare the costs with different pharmacies.
4. Determine if your pharmacy of choice accepts your plan.
5. Look at the copays and coinsurance for different tiers and at different stages.
6. Filter in (or out) plans that participate in the insulin savings program if applicable.

Remember, there are only certain times in which you can enroll in a Part D Plan. Ideally you’ll enroll in a plan during your Initial Enrollment Period (IEP) which is the 7 months surrounding your 65th birthday. You can also enroll during the Annual Enrollment Period which is every year from Oct. 15Dec. 7. Coverage becomes effective Jan. 1. But, remember if you go for a period for more than 63 days without creditable coverage, you may be subject to a late penalty which will be tacked on to your monthly premium forever.


If you have any further questions, please feel free to contact us here at iHealthBrokers at 8884100344 or https://ihealthbrokers.com/'>https://ihealthbrokers.com/


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