Medicare Part D Prescription Coverage

Ways to Maximize Your Medicare Part D Prescription Coverage and Save More on Your Medications

  1. Ask your Doctor for Medicare Part D prescription help and free samples of any new medication he prescribes for you. Many times Doctors have samples they can give out…and you know what they say about the squeaky wheel! Even with the Medicare Part D Prescription Drug benefit many people need even more help.
  2. Consider the mail order option on your drug plan to save even more than your Medicare Part D prescription plan would give you if you shopped at a local pharmacy. This would be good to use on your Tier 2 & Tier 3 meds. NOT GENERICS! You should buy your generics off your drug plan, not using your drug plan card at stores that offer generics for $4 such as Wal-Mart. If you buy your Generics off your drug plan this will not count toward the “donut hole” and keep you out of the “donut hole” for a longer period of time each year. On some plans for Medicare Part D prescription coverage you can order a 90 day supply of your meds for a considerable discount with mail order. Call the customer line for the Medicare Part D Prescription drug benefit plan you joined for and ask them how to use the mail order option.
  3. When your Doctor prescribes a medication for you, ask him then and there if this is the least expensive drug to take for your illness. This may sound like a simple request for help with your Medicare Part D prescription drug plan, but many Doctors prescribe new designer drugs rather than the old tried and true medications. Who pays for all the expensive advertising campaigns? YOU, the consumer. Many times, even among brands, one medication will be much less expensive than the other. Don’t feel shy explaining to your Doctor that you need your Medicare Part D Prescription coverage to save as much as possible on your drugs!
  4. If you fall into the “donut hole” and KNOW that you will never reach the other side of your Medicare Part D prescription plan to 95% coverage, you can order or shop for your drugs anywhere! YOU MUST shop around and compare pricing at this time to maximize your Medicare Part D prescription drug benefit. DO NOT USE YOUR DRUG CARD. The only time to keep using a pharmacy that accepts your Medicare Part D prescription plan is when you are in the donut hole and KNOW that you will soon be getting the catastrophic Medicare Part D prescription coverage benefit of 95%.