Are you in need of prescription drug coverage but aren’t sure where to look? Medicare Part D could be the right option for you. To fully understand why Part D could be right for you, you need to reach out to Medicare experts who care about your needs and will provide you with the facts.
At Zero Bullshit Insurance, we are completely open about what each individual can expect from their Medicare coverage. On that note, here’s a deeper look on you can expect from Part D.
What Does Part D Cover?
Part D plans cover at least two drugs in the most commonly prescribed categories and classes and nearly all of the following: anticancer, anticonvulsants, antidepressants, antipsychotics, antiretrovirals, and immunosuppressants. Each plan decides which drugs to cover, which are listed in the plan’s formulary. You can see the plan’s formulary before deciding if the plan is right for you.
If your plan does not cover a specific drug prescribed to you and the drug can not be substituted by one that is covered by your plan, you and your prescriber can request an exception explaining the medical need for the exception.
Plans sometimes make changes to their covered drugs, such as adding a new generic that has become available in place of a brand-name option. Changes are also made when drug therapies change, new drugs are released, when new medical information becomes available, or when the Food and Drug Administration (FDA) finds a drug to be unsafe.
If changes to a covered drug impact a drug you are currently taking, your plan will notify you of the change. Plans are required to give advance notice at least 30 days before the change goes into effect or provide a month’s supply at the former rate when you refill the prescription at the pharmacy.
Medicare Part D Enrollment
You can enroll in a Medicare Part D plan during your Initial Enrollment Period when you first become eligible for Medicare. Suppose you are already enrolled in Medicare Part A and Part B. In that case, you can enroll in a drug plan during the Annual Enrollment Period from October 15 to December 7. During this time, you can also switch from one drug plan to another drug plan or drop your Medicare drug coverage.
Looking For Drug Coverage? Look No Further
Zero Bullshit Insurance can help you find the Part D plan you need to cover the prescriptions you take. No more worries about being out-of-pocket for your expensive prescriptions. Part D has you covered.
