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Kiltedpig

Medicare, AARP united healthcare plan F and Humana Plan D

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On 10/29/2017 at 11:51 AM, KHenson said:

Actually, that's not accurate. The Part B deductible is the only thing that differentiates the coverage between F and G. 

Both plans F and G cover hospitalization exactly the same.

My BAD!  I was comparing Part N to Part F.  

Thanks for correcting my error.

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Humana Part D changes every year in FL. for me.

I have gotten the same 5 prescriptions every month for years.
2015  Monthly $55.80 my Copay $30.00  Humana pays out $7.10
2016 Monthly $70.90 my Copay $26.50  Humana pays out $5.80
2017 Monthly $68.80 my Copay $20.00  Humana pays out $13.20
2018 Monthly will be $80.50 my Copay $20.00  Humana pays out ???

If I could buy the RX for Humman's price with my Copay I wouldn't need them. :)

OH!!! My AARP Plan F cost me $319.02 a month. 2018 ??
With the 2% COL raise for SSA I hope that Medicare doesn't take it all like they did last year. :(

Edited by Biker56

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1 hour ago, Biker56 said:

Humana Part D changes every year in FL. for me.

I have gotten the same 5 prescriptions every month for years.
2015  Monthly $55.80 my Copay $30.00  Humana pays out $7.10
2016 Monthly $70.90 my Copay $26.50  Humana pays out $5.80
2017 Monthly $68.80 my Copay $20.00  Humana pays out $13.20
2018 Monthly will be $80.50 my Copay $20.00  Humana pays out ???

If I could buy the RX for Humman's price with my Copay I wouldn't need them. :)

OH!!! My AARP Plan F cost me $319.02 a month. 2018 ??
With the 2% COL raise for SSA I hope that Medicare doesn't take it all like they did last year. :(

Biker56, I'd shop that Part D drug plan. I suspect you can do better. Here is a video on how you can do that yourself: https://screencast-o-matic.com/watch/cb60IXI8q8

I'd also look to changing that AARP Plan F to a G or N...that'll save you a bundle without sacrificing much in benefits. 

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Biker56 - Do you have a Good Rx Card.  If not, get one, and once you sign up, you will see what is being charged by various pharmacies that accept the card - - wide, wide range.   I'm assuming those are all generics?     There are days that I think it would be easier to get individual written Rx for all our meds and then match to see who is cheaper, but when you are traveling it is so much easier to use ExpressScripts, especially with the one med that Dave takes which is $600/90 days without insurance or $135/90 days with our insurance.   Unfortunately the similar ones that drug all interact with his Plavix and/or his statin, so that is a no go.

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17 hours ago, KHenson said:

Biker56, I'd shop that Part D drug plan. I suspect you can do better. Here is a video on how you can do that yourself: https://screencast-o-matic.com/watch/cb60IXI8q8

I'd also look to changing that AARP Plan F to a G or N...that'll save you a bundle without sacrificing much in benefits. 

You never know when the Plan F is the better one.
In 2011 Medicare & Plan F paid out $48,454.92 more then I paid them.
In 2012 Medicare & Plan F paid out $63,911.51 more then I paid them.
In 2013 Medicare & Plan F paid out $12,257.25 more then I paid them.
In 2014 Medicare & Plan F paid out $2,887.14 more then I paid them.
In 2015 I paid out $817.97 more then they did.
In 2016 Medicare & Plan F paid out $485.27 more then I paid them.
2017 so far with more bills to come in it's about even. But they will be paying more then I will at the end of the year.
So far I am way ahead of them for many years to come. And will stay with the F plan and then see what 2020 brings.

Now Part D I did shop last year. But others were higher with the copay included on the prescriptions I have, then what Humana was.
Back in 2011 through 2014 Humana paid out much more then I paid them plus copay.
Since then(15-16-17) they are coming out ahead a little. But who knows about the future years?

Sometimes cheaper can cost more in the long run.

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