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Bob
Joined: Apr 2006
Posts: 2
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Post Date: 4/27/2006 10:02:34 PM
I currently have a very low monthly cost for
prescription drugs. As a result I have delayed
signing up for Medicare Part D. I have a chronic
leukemia--so I know I need to sign up for
something before May 15th. That way I'll have
"my foot in the door" (no permanent premium
penalty) when my drug costs increase.
Medicare's "finder" mechanism seems to show
Humana PDP Standard and Enhanced plans as
the two least expensive for me. I've read
both positive and negative comments about
Humana.
Anyone else out there who is trying to minimize
the amount EXTRA they will pay once they go
on Part D? If so, what approach are you taking?
Thanks
--Bob
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JB
NY
Joined: May 2006
Posts: 1
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Post Date: 5/9/2006 7:13:33 PM
Of all the NY plans that covered Namenda (with no prior authorization or limits) - for my mother-in-law's alzheimers - Humana Complete is the only one that has coverage in the "gap" - definitely something you should think about with your condition. Their website was clear and easy to use; I'm probably signing her up with that. When you take one of the lesser plans, and add the premium and the deductible together, it sometimes seems that it's worth paying the higher premium for a better plan. When my MIL caught a stomach infection during a hospital stay last month (imagine that!)- the only anitbiotic that would work was Vancomycin. $1200 - one thosand two hundred dollars for 80 pills! If we had been on Humana it would have been covered. Hope this helps... it's a tough decision and I wish you all the best on your journey
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Bob
Joined: Apr 2006
Posts: 2
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Post Date: 5/10/2006 8:37:25 AM
JB:
Thanks for your good note. I ended up going with
the least expensive Humana plan. There is a $250
deductible, but after that's paid, the drug cost
on this plan seems to be the lowest--at least for
the drugs I currently use. I'm hoping/suspecting
that I won't really need "gap" coverage this year. (?)
My Sierra Medigap coverage has been good for my
oncologist's charges--but I have found that other
providers (mainly eye doctors so far) don't seem
to support it. I may have to change Medigap
coverage in November. As I understand it, that will
also be an opportunity to "revisit" what I'm doing
about drug coverage. (?)
It seems that you are being a big help to your
mother-in-law. Keep up the good work.
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udog13
Antigo Wi.
Joined: Jun 2006
Posts: 1
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Post Date: 6/22/2006 12:39:23 AM
My wife has end stage renal failure, and now with part d we have almost 400.00 more out of pocket for prescriptions a month. I am begging for answers also.
Al
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MDP Staff
New York
Joined: Nov 2005
Posts: 17
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Post Date: 6/27/2006 3:59:55 PM
TO: udog13 - In which plan are you enrolled? What medications does your wife take that her plan is not covering?
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