by Gabriel Levitt, Vice President, PharmacyChecker.com and Sam Werbalowsky, Pharmacychecker.com | Oct 17, 2014 | Health Insurance, Medicare Drug Plans
Since open enrollment began two days ago, Medicare beneficiaries all over the country have been looking for new Medicare Part D plans. In fact, based on our analysis of recent Part D Reviews on MedicareDrugPlans.com, you’d think most enrollees were looking for new plans! Of the past 50 reviews on the site, this is what we found:
- 44% had customer service issues, including unresponsive service, rude representatives, and billing and enrollment errors.
- 42% complained about mail order issues, such as shipments taking too long, poor packaging and instructions, and poor website experiences.
- 30% had problems prescribed drugs not being covered, inaccurate pricing, or coverage refusal after requesting authorization.
While we can’t say much about how to prevent dealing with mail order pharmacy or customer service issues, we know that you have the power to tackle formulary problems. Just so we’re clear, the way to find out which plans cover the drugs you need is at the government’s site, Medicare.gov – not on MedicareDrugPlans.com. MedicareDrugPlans.com serves as a listening board for what you need to look out for when you pick your plan, and is meant to be a supplement to the government’s site, so we recommend using both while selecting a plan. That way, you can make sure your drugs are covered and hopefully avoid any unforeseen issues.
Finally, it’s unfortunate that most of the reviews and ratings of Part D plans are negative ones. We want positive ones! We know that many Americans are benefiting from the plans. To whomever this applies: please help your peers by reviewing and rating the Part D plans that you like.
Good luck searching for the right plan!
Tagged with: Medicare Drug Plans, Medicare Part D, medicaredrugplans.com
by Gabriel Levitt, Vice President, PharmacyChecker.com and Sam Werbalowsky, Pharmacychecker.com | Oct 3, 2014 | Medicare Drug Plans
October 15th is just under two weeks ago, and while that date might not mean much to those not enrolled in Medicare, it marks the beginnings of open enrollment for Medicare’s Part D pharmacy benefits. That means that if you are looking for a new Medicare plan, you have until December 7th to do so. Even if you don’t think you need a new plan, you should check out what’s available, for a variety of reasons:
- Your plan may be discontinued, in which case, if you do not act, you might be transferred to a plan that is worse for you. There are 14% fewer plans in 2015 than there were in 2014.
- New plans exist, and they might be better than your current plan.
- Your prescription needs have changed. If you started taking a new medication in 2014 and it wasn’t covered by your current plan, or required you to spend more out-of-pocket than you expected, it might be time to switch to a plan that covers any new meds.
Our sister site, MedicareDrugPlans.com, can help you find a new plan. It compares premiums, deductibles, and even lets you know if drugs are covered during the coverage gap. More importantly, you can read reviews from enrollees who have actually signed up for these plans! Knowing the costs and coverage can only go so far, as these reviews tell us:
Alabama, Tennessee – Cigna-HealthSpring Rx –Reg12
“I have been trying to sign up for this plan but have a very hard time getting answers. Many of the telephone reps answer questions with “I don’t think so or I’m not sure” which is not helpful. They also require you to sign a statement that says “Humana has the right to change the program at any time if they notify the customer.” I have been told that this is just a formality but it makes me nervous.”
New York – First Health Part D Value Plus
“I used this plan in 2013 and it was pretty good…most prescriptions cost me 0. But some prescriptions were not covered and I had to scramble to find the drugs elsewhere. Their cost per month was good, but now it is going up, and I will be switching to a cheaper monthly cost plan.”
Once you read reviews and compare plans on MedicareDrugPlans, head over to the government’s site, www.Medicare.gov, at which you can type in the drugs you take and find out which plans offer the best coverage for you. Using Medicare.gov and ratings from MedicareDrugPlans.com will help you make a fully informed decision. And don’t forget to leave a review on MedicareDrugPlans, so your fellow enrollees can learn from your experiences. Good luck finding the plan that is best for you, and don’t forget to enroll by December 7th!
Tagged with: Medicare Drug Plans, Medicare Part D, medicaredrugplans.com
by PharmacyChecker.com | Oct 30, 2013 | Medicare Drug Plans
As we wrote a few weeks ago, there are loads of changes coming to Medicare Part D next year. Changes to your plan’s deductible and monthly premium can impact your wallet, for better or for worse! We’ve analyzed the plans from 2013 and 2014 and identified those with notable changes to their deductibles and premiums.
Keep in mind that there may be other important changes to a plan, such as those to its formulary or cost sharing structure. For example, the deductible for Blue MedicareRx Value plan double in 2014, and it is also losing about 700 drugs from its formulary. On the other hand, this plan and others might see increases in deductibles or premiums correspond with lower co-pays or better donut hole coverage, which could save you a lot of money.
The tables below show you examples of plans with large changes, and aren’t meant to be comprehensive. To view more plan options, and read reviews and ratings by members, head over to MedicareDrugPlans.com.
Notable Decreases in Plan Deductibles
| Plan Name |
States |
2013 Deductible |
2014 Deductible |
Dollar Change |
% Change |
|
Express Scripts Medicare – Choice (PDP)
|
Many States |
$200 |
0 |
-$200 |
-100% |
| Health Alliance Medicare Prescription Plan – Enhcd (PDP)
|
Illinois |
$325 |
0 |
-$325 |
-100% |
| United American – Enhanced (PDP) |
Iowa, Minnesota, Montana, Nebraska, North Dakota, South Dakota, Wyoming, |
$40
|
$20 |
-$20 |
-50% |
Notable Increases in Deductible
| Plan Name |
States |
2013 Deductible |
2014 Deductible |
Dollar Change |
% Change |
| Blue MedicareRx Value (PDP)
|
Arizona |
$150 |
$310 |
$160 |
107 % |
| Prescription Blue Option A (PDP)
|
Michigan |
$125 |
$195 |
$70 |
56% |
| Blue Rx Plus (PDP)
|
Pennsylvania, West Virginia |
$250 |
$310 |
$60 |
24% |
Notable Decreases in Monthly Premiums
| Plan Name |
States |
2013 Premium |
2014 Premium |
Dollar Change |
% Change |
| WellCare Classic (PDP)
|
Mississippi |
$36.60 |
$17.30 |
-$19.30 |
-53% |
| Aetna Medicare Rx Essentials (PDP)
|
Oregon, Washington |
$72.90 |
$35.20 |
-$37.70 |
-52% |
| Express Scripts Medicare – Choice (PDP) |
Iowa, Minnesota, Montana, Nebraska, North Dakota, South Dakota |
$102.70 |
$70.60 |
-$32.10 |
-31% |
Notable Increases in Monthly Premiums
| Plan Name |
States |
2013 Premium |
2014 Premium |
Dollar Change |
% Change |
| Aetna CVS/pharmacy Prescription Drug Plan (PDP)
|
Florida |
$32.50 |
$75.00 |
$42.50 |
131% |
| AARP MedicareRx Saver Plus (PDP)
|
Oregon, Washington |
$15 |
$29.50 |
$14.50 |
97% |
| First Health Part D Value Plus (PDP)
|
Colorado |
$32.30 |
$58.40 |
$26.10 |
81% |
Once again, you need to shop around and do your research to get the best plan. Check out some reviews and ratings at MedicareDrugPlans.com – and rate your current plan to help others – then head over to the government’s site www.medicare.gov to compare plan formularies, and choose a plan that covers the medications you take.
Tagged with: 2014, deductibles, Medicare Drug Plans, Medicare Part D, premiums
