KHenson Posted April 11, 2015 Report Share Posted April 11, 2015 I guess I will have to get an agent involved to find a low cost plan. As the online programs are set up, I cannot access cost comparisons because I have no drugs to list. From what I understand, the drug lists are not the same for all plans. Do you just pay for a plan and then hope that if you are put on medication, it happens to be one on the drug list for the plan you choose? Lucky for you I know just the guy Most Part D formularies are pretty extensive and will cover most prescriptions on the market. I will be able to recommend one for you. And no I do not sell these plans...it's just a free service we offer at RVerHealthInsurance. Kyle Henson, Fulltime RVer since 2011 Founder/Former Owner of RVer Insurance Exchange Link to comment Share on other sites More sharing options...
richfaa Posted April 11, 2015 Report Share Posted April 11, 2015 "I guess I will have to get an agent involved to find a low cost plan." I assume that means a plan you can afford that provides at least the minimum coverage you require. Most policies will list the drugs they will approve many will only approve generic brands. Helen and I are long timers ..08 F-350 Ford,LB,CC,6.4L,4X4, Dually,4:10 diff dragging around a 2013 Montana 3402 Big Sky SKP 100137. North Ridgeville, Ohio in the summer, sort of and where ever it is warm in the winter. Link to comment Share on other sites More sharing options...
KHenson Posted April 11, 2015 Report Share Posted April 11, 2015 Most policies will list the drugs they will approve many will only approve generic brands. All Part D plans are required to cover brand-named prescriptions. They will not get a contract with Medicare otherwise. Of course they do not have to cover every brand-named rx available. Some Part D plans will not cover brand-named rx inside the "doughnut hole" though. Kyle Henson, Fulltime RVer since 2011 Founder/Former Owner of RVer Insurance Exchange Link to comment Share on other sites More sharing options...
Dutch_12078 Posted April 12, 2015 Report Share Posted April 12, 2015 I guess I will have to get an agent involved to find a low cost plan. As the online programs are set up, I cannot access cost comparisons because I have no drugs to list. From what I understand, the drug lists are not the same for all plans. Do you just pay for a plan and then hope that if you are put on medication, it happens to be one on the drug list for the plan you choose? Have you tried the Medicare Plan Finder site? When you get to step 2, just click on "I don't take any drugs" to continue. If your doctor is aware of which plan you're on, they'll normally try to prescribe drugs within that plan's formulary. Dutch 2001 GBM Landau 34' Class A F-53 Chassis, Triton V10, TST TPMS 2011 Toyota RAV4 4WD/Remco pump ReadyBrute Elite tow bar/brake system Link to comment Share on other sites More sharing options...
robt65 Posted April 26, 2015 Report Share Posted April 26, 2015 Another prospective. I have met many along the way when I was full timing with a 5er, who were qualified and didn't know it with the VA. I also agree that they have their problems as other agencies do. hopefully they can and will clean up soon. Being a 100% service connected disabled veteran of the Viet Nam war, it has been a back door blessing for my family and I. There are literally VA health clinics everywhere and even in foreign countries that are covered with the VA's Foreign Medical Plan. It is different for sure than staying in the USA all the time, but it also has many good points. Prescriptions are always available and things such as hearing aid batteries, can be mailed to any place you may have for your mail forwarding. aids such as prosthetic devices can also be made or repaired anywhere in the continental USA, as well as Mexico and Canada depending upon the circumstances. If you are a veteran of a conflict and have had any hospitalization for medical and or dental reasons. But here is also a twist that every 100% service connected disabled veteran should know. If you ever do need emergency medical attention at a hospital for whatever reason, never let them know you have Medicare. They (the hospital) will charge Medicare the initial portion to your Medicare when all of the hospital and doctors bills should be paid for by the VA. It is almost impossible to get the error changed after the fact. Remember also this is only for 1000% service connected veterans. for less than 1005 service connected veterans Medicare should be used and depending upon your particular medical emergency Medicare will cover the fist "X" percent and then the VA will pick up the remainder. All I can tell you is for sure never leave the hospital after your hospital discharge without getting a full report of every part of your body the hospital cared for, including copies of cat scans, prescriptions etc., etc. Get the names, addresses and phone numbers of any and all specialists that saw you during your stay, including the anesthesiologist used for any surgeries. Sure it's a bit of work, b ut what else are you going to do lying there recuperating? Stay on top of it and the benefits are amazing. Also learn of the local Texas Veterans Commission reps, DAV, Legion etc. who are an immense help during these times. Most will even come to the hospital if it is not a VA hospital and work for you. It really is a fairly good system once you have learned the ins and outs of it. Another great option is the local Telecare nursing staff who are available 24/7/365. Hope you all never need it but if you are a veteran check it out and suffer through the initial admin mess of getting registered and it is really nice to have. All VA facilities are listed on the VA website. regards, robt65 Link to comment Share on other sites More sharing options...
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