Part D prescription plan

[Dftodd]

I got a notice of change of benefits for my part 2025 D prescription plan.
My only prescriptions are 2 eye drops that I take for glaucoma. My current plan costs $9.90 per month with a $280 deductible.
The plan has different 5 different tiers for prescriptions. The deductible only applies to tiers 2 - 5. The eye drops are tier 1 & are totally covered by my plan. There also is no copay.
My total yearly cost under the old plan was $118.80.

Because of changes that were made to lower the cost of costly drugs to people. Starting January 1 2025, the same plan will cost $44.90 per month with a $590 deductible. The deductible will apply to all tiers of prescriptions.
After meeting the deductible, I will have a $5 copay per month per prescription, $10 per month total.
My estimated total cost next year for same plan will be over $1,200.

I had a similar issue for doctors visits when my insurance plan changed under the affordable care act.

I had to meet a $900 deductible before I no longer got charged for doctors visits.

Before the affordable care act, I was paying $25 a pop for doctors visits, and $50 per visit for a specialist.

Total out of pocket per year was between $75 and $150 for doctors visits. It jumped to about $600 a year out of pocket.

What they are doing is getting folks like you to contribute more to the pot to get the cost down for others.

 

[KennyG]

Not sure the reason but my supplemental prescription plan went up a good bit last year and another 60% for 2025. It's now over $1000 a year in addition to the Medicare cost.

 

[WM75Guy]

The Part D doughnut hole has been eliminated, the max out of pocket goes from $8,000 to $2,000 in 2025. After $2,000 everything is covered 100% under catastrophic coverage. You can also spread the amount you pay out over 12 months, instead all up front.

 

[LouNY]

I haven't received any notices of the increases for the coming year yet. Not looking forward to it either, that doughnut hole was an expensive one this past year. The bills for the rest of the year are minuscule.
So it's been $174 and change for the Parts A and B, then my supplement is $266.50 and my prescription plan is $31 so close to $474 a month just for health insurance plus the astronomical prescription copays.

 

[airbiscuit]

My Medica Supplement and part D coverage is $141/month. All wellness visits are free, and Dr visits are free and Specialist visits are $15. Our modest prescriptions are $6. Plus, there is a $300 annual allowance for dental and some $$ for vision. They have been outstanding.

 

[mjonesnh]

I haven't received any notices of the increases for the coming year yet. Not looking forward to it either, that doughnut hole was an expensive one this past year. The bills for the rest of the year are minuscule.
So it's been $174 and change for the Parts A and B, then my supplement is $266.50 and my prescription plan is $31 so close to $474 a month just for health insurance plus the astronomical prescription copays.

I pay the same for A and B as you but my supplement is 130.00. just had a rate increase from 118.00 and 0.50/mo. for part D, going to 0.00 in Jan. I know as you get older the supplement increases but I think your home zip code is the biggest factor. I know when I first started with Plan G that certain areas were almost double for same policy as my age and location. Why? So, 2 people same age with different zip codes and 1 pays maybe twice what the other guy does.

 

[LouNY]

My Medica Supplement and part D coverage is $141/month. All wellness visits are free, and other Dr visits are $20. Our modest prescriptions are $6. Plus, there is a $400 annual allowance for dental and some $$ for vision. They have been outstanding.

Then you must be using an;

Medicare Advantage Plans​

If you have Part A and Part B, you can join a Medicare Advantage Plan, sometimes called “Part C” or an “MA plan.” This type of Medicare health plan is offered by Medicare-approved private companies that must follow rules set by Medicare. Most Medicare Advantage Plans include
drug coverage (Part D)

Were I am using original Medicare with a supplemental plan;

Medicare Supplement Insurance (Medigap)​

Medigap is extra insurance you can buy from a private health insurance company to help pay your share of out-of-pocket costs in Original Medicare.

​

.

 

[LouNY]

I pay the same for A and B as you but my supplement is 130.00. just had a rate increase from 118.00 and 0.50/mo. for part D, going to 0.00 in Jan. I know as you get older the supplement increases but I think your home zip code is the biggest factor. I know when I first started with Plan G that certain areas were almost double for same policy as my age and location. Why? So, 2 people same age with different zip codes and 1 pays maybe twice what the other guy does.

I'm using a "G" plan also, as you said it is very zip code dependent as to the charges.

 

[Tpondel]

The scariest words … I’m from the Govt and I’m here to help.

 

[airbiscuit]

My Medica Supplement and part D coverage is $141/month. All wellness visits are free, other Dr visits are $0 and Specialist visits are $15. Our modest prescriptions are $6. Plus, there is a $300 annual allowance for dental and some $$ for vision. They have been outstanding.

Then you must be using an;

Medicare Advantage Plans​

If you have Part A and Part B, you can join a Medicare Advantage Plan, sometimes called “Part C” or an “MA plan.” This type of Medicare health plan is offered by Medicare-approved private companies that must follow rules set by Medicare. Most Medicare Advantage Plans include
drug coverage (Part D)
Were I am using original Medicare with a supplemental plan;

Medicare Supplement Insurance (Medigap)​

Medigap is extra insurance you can buy from a private health insurance company to help pay your share of out-of-pocket costs in Original Medicare.

​

.

Nope! I hate Advantage plans. They siphon $$ off medicare to line the pockets of insurance companies.

It is a plain Medicare supplement (Medigap) and drug plan D. It is NOT an Advantage plan. Their customer support has been excellent but seldom needed. They sent us a mailer telling us that we hadn't been using our dental and vision benefits! I couldn't believe they did that, but I guess they want to retain customers.

You can put in your zip code to get rates

VnextCore

Medica Prime Solution Focus w/Rx​