Compare the Medicare drug plans based on what is most important to you, depending on your situation and drug needs. You may want to ask yourself some of these questions:
- Which plan covers the prescriptions I take?
- Which plan gives me the best overall price on all of my prescriptions?
- What is the monthly premium, yearly deductible, and the coinsurance or copayment(s)?
- Can I use the plan in addition to my current prescription drug coverage?
- Which plan allows me to use the pharmacy I want?
- Which plan allows me to get prescriptions through the mail?
- Which plan provides me with coverage in multiple states (if I need it)?
- How do the plans rate on quality?
- Will I have to pay a penalty because I waited to join?
- Can my coverage start when I want it to?
- Is it likely that I’ll need protection against unexpected drug costs in the future?
- Am I satisfied with my Medicare drug plan’s service (if I’m already enrolled but reviewing my plan options)?
If you need help with your Medicare prescription drug coverage decisions, call your State Health Insurance Assistance Program (SHIP).
