Changes In Benefit Model for PART D 2008
To Change or Not to Change?
That is the Question…
Medicare Part D Prescription Plans for 2008
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Beginning November 15 to December 31 of 2007 you will have a decision to make regarding your Medicare Part D Drug Plan. Should I change plans? Let’s take a look at the facts:
Every year, every drug plan changes pricing on their premiums and co-pays. They also stop covering some drugs and take on others. Last year one of the nations largest drug plans covered brands during the dreaded “donut hole”. They dropped that coverage and many people who failed to get a new comparison for the upcoming year were left paying a very high premium without that important benefit. Don’t let this happen to you! Educate yourself on the new prices for the drugs you are taking! Make sure that your plan will cover them at the lowest prices.
There are a few changes in the standard model for Medicare Part D Plans for 2008.
Deductible: Going from $265 in 2007 to $275 in 2008
Coverage Limit: Going from $2,400 in 2007 to $2,511 in 2008 (beginning of donut hole)
Out of Pocket Threshold: Going from $3,850 in 2007 to $4,050 in 2008
The government giveth and the government taketh away!
However, please don’t fret. You have an extra $1,011 before you hit the donut hole in 2008 and you CAN get a plan with No deductible. We also can give you hints and suggestions on how to save money on your prescriptions that can stretch out the time till you hit the donut hole even farther.
I don’t mean to be a broken record….but if you buy your generics off your plan from the start, you will keep more in the pot to pay for brands. This way you will not fall into the “donut hole” as quickly. As I said before, check the generic list at Wal-Mart and other large retailers to see if your generics are $4 for a one month supply. Do not present your drug card when you purchase them. You may have some generics that are still pricey and you may need to use your drug card to pay for those. However, this hint may keep you out of the dreaded “donut hole” Unbreakable buy free roger me movie download
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