Download Medicare Prescription Drug Coverage For Dummies by Patricia Barry PDF

By Patricia Barry

ISBN-10: 0470276762

ISBN-13: 9780470276761

ISBN-10: 0470436247

ISBN-13: 9780470436240

How are you going to make the simplest offerings approximately health insurance in the event you succeed in sixty five? there's unending details on the net and a number of other books conceal the topic. i purchased every one of these books and did vast examine yet used to be nonetheless doubtful and unsure. This used to be the single booklet that stood out: well-written and lined the topic rather well. additionally, the author's transparent, uncomplicated writing variety defined the opposite elements of Medicare and the alternatives on hand higher than the other resource.

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Sample text

For example, the co-pay for a nonpreferred drug in Tier 3 can be twice as much as a similar preferred drug in Tier 2; a generic version in Tier 1 can cost a fraction of either. So if you’re paying a hefty co-pay (say $60) for a Tier 3 drug, and you realize an alternative Tier 2 drug costs $30 or that a Tier 1 generic is available for $5, what are you going to do? Ask your doctor whether a lower-priced drug may work just as well for you. Well, why not? It’s your money! ߜ The co-pays that different plans charge for the same drug also vary a lot.

After you’ve met the deductible, Medicare pays 100 percent of covered costs for a stay of up to 60 days (which need not be consecutive). After that, you pay a share of the costs ($256 a day in 2008) from Day 61 to Day 90. (If you need extra days, you can use up to 60 lifetime reserve days that Medicare allows for additional coverage over the rest of your life. ) If you go into the hospital for a different illness or injury, you start a new benefit period and again pay the deductible before coverage kicks in and the payment cycle starts over.

If the plan has negotiated a decent discount, its price may be quite a bit less than you’d pay retail at the pharmacy. If the full price of your drug is lower than the co-pay for its associated tier, you pay full price, because that’s the lesser cost. 33 34 Part I: The Nuts and Bolts of Medicare Prescription Drug Coverage Counting the cost: True out-of-pocket costs True out-of-pocket costs is an odd bit of jargon — which bureaucrats shorten to the acronym TrOOP — that relates to the coverage gap (also known as the doughnut hole).

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