I'm not sure exactly what you are meaning, but one has to add the cost of premiums to any drug costs in order to evaluate what plan serves best. For example, the plan that I have would cost Pam $45 for 3 months of the same drug that she currently pays $24 for(in both cases a 90 day supply). She currently has 6 different prescription drugs and since each insurance company sets their own tier levels for the various drugs and in some cases one of her drugs is tier 1 in one plan and tier 2 in the cheaper plan. The key is to add the total spent for drugs in any form, including all premiums, deductibles, and copay expenses on each plan and compare them. My cheap plan puts 2 of Pam's drugs that are tier 1 on her plan as tier 2 on mine, thus the copay would be much more. Since I only have 2 maintenance prescription drugs and bot are common generics, I benefit from the lower premium coverage. Here is the definition of "out of pocket costs" according to healthcare.gov.
I need to change Medicare supplement drug plan, I find the insurance company I am currently with is not working for me. Their customer service skills is not compatible with me. Is their someone that I can call to get some help with this issue? We are full time RVers with Texas as our domicile.
Medicare supplement
in Health Issues and Medical Insurance
Posted
I need to change Medicare supplement drug plan, I find the insurance company I am currently with is not working for me. Their customer service skills is not compatible with me. Is their someone that I can call to get some help with this issue? We are full time RVers with Texas as our domicile.