Humana Value RX

monicakm · ‎03-16-2010

We just spent over 2 hours with Medicare to enroll in Part D. A poke in the eye with a sharp object might have been preferred. She told us that the above was the least expensive @ 31 and $34 premiums/month. All of our medications would cost $0 before and after deductibles.

I told her that both of us take a medication that the manufacturer is currently providing free of charge. She said I would have to call those manufacturers to inquire how they would be handled.

Does anyone here use this company for prescription coverage? Are there other companies I should look into?

I can't believe this has to be done every year...bleh! I know there are seniors who can't do this for themselves and might not have anyone to do it for them. What do they do?

Mz iMac · ‎07-26-2014

@monicakm wrote:
I know there are seniors who can't do this for themselves and might not have anyone to do it for them. What do they do?

@monicakm They call Senior Services. A broker will come to their home to help them for FREE! At least that is how it's done in Joisey.

"Never argue with a fool. Onlookers may not be able to tell the difference."

conlt · ‎03-16-2010

I just changed my part D insurance. The choice depends on the zip code that you live it, and the medications that you take. I put my medications in the Medicare Website, then pick the plan that is most cost-effective for me and that covers all of my medications.

I have been on Medicare 2.5 years and I am on my second Part D plan.

For next year I am changing plans again. I think I got Wellcare. It covered all of my medications. I have a $0 premium but a hefty deductible at over $600 for the year.

Then I am covered well. I have 2 medications that cost over $600 per month, so I will hit that deductible in January.

In 2025, I had United Health Care, my monthly premium was $92 and I do not think that I had a deductible.

Well care will cost me around $1500 this year for my medications, the most expensive plan on the list would have cost me over $15,000 next year.

So long, story short, the plan you choose depends on where you live and what medications you take.

Pink123 · ‎07-10-2019

I think you will be fine with Humana Rx, the cheapest one. I don't take lot's of meds, and If I need once in awhile I use good RX coupons or search Canada, which is not often.

I just stuck with what I've had the past two years Humana. It's a real hassle.

Jaynah · ‎03-10-2010

conit - you explained this so well and so efficiently!

Part D definitely depends on what pharmacy you choose and what

your medications are.

lynnie61 · ‎04-28-2010

I'm starting Medicare in January. I don't take meds, but an insurance broker came to the house (no charge, no income limits). I chose BCBS. It will be much cheaper than my plan I had from 63, when I retired, to I hit Medicare. My SO is on several meds and he is in a local hospital plan. $19 a month. The charge just came through and now it's 5.10? Crazy. We are in PA. This broker reviews plans annually, and suggested SO, keep this one for next year.

I would think most states have these options with a broker. He didn't seem to push one plan or another. It was very easy. He was hear less than an hour.

CelticCrafter · ‎03-09-2010

@monicakm wrote:
We just spent over 2 hours with Medicare to enroll in Part D. A poke in the eye with a sharp object might have been preferred. She told us that the above was the least expensive @ 31 and $34 premiums/month. All of our medications would cost $0 before and after deductibles.
I told her that both of us take a medication that the manufacturer is currently providing free of charge. She said I would have to call those manufacturers to inquire how they would be handled.

Does anyone here use this company for prescription coverage? Are there other companies I should look into?
I can't believe this has to be done every year...bleh! I know there are seniors who can't do this for themselves and might not have anyone to do it for them. What do they do?

@monicakm #1 it does not have to be done every year unless you feel the premium has gotten too high or if certain medications are no longer covered or affordable.

#2 does that premium quoted include the penalty for not having a Part D since you first became eligible for Medicare?

CalminHeart · ‎03-09-2010

@monicakm wrote:
We just spent over 2 hours with Medicare to enroll in Part D. A poke in the eye with a sharp object might have been preferred. She told us that the above was the least expensive @ 31 and $34 premiums/month. All of our medications would cost $0 before and after deductibles.
I told her that both of us take a medication that the manufacturer is currently providing free of charge. She said I would have to call those manufacturers to inquire how they would be handled.

Does anyone here use this company for prescription coverage? Are there other companies I should look into?
I can't believe this has to be done every year...bleh! I know there are seniors who can't do this for themselves and might not have anyone to do it for them. What do they do?

It sounds too good to be true. $31 a month and no copays is outstanding....if it's true.

Qestions.

Did you talk to Humana or just to Medicare?
Or was it some kind of third party that sells medicare related products?
What kind of product is it? Is it a standalone RX policy or part of a Medicare Advantage policy?

I investigated corporate fraud for many years. I'd never sign up through any party except directly with the company. These third party entities make me too nervous.

CalminHeart · ‎03-09-2010

My Wellcare RX policy is going from 0 premium in 2025 to $9.75 a month in 2026.

However, 2 of my meds are a lot cheaper with GoodRX than insurance. One other goes from insurance copay $397 to GoodRX copay $20.

Go to MyMedicare.gov and follow the instructions and you can see all the RX plans offered in your area.

CelticCrafter · ‎03-09-2010

@CalminHeart wrote:
@monicakm wrote:
We just spent over 2 hours with Medicare to enroll in Part D. A poke in the eye with a sharp object might have been preferred. She told us that the above was the least expensive @ 31 and $34 premiums/month. All of our medications would cost $0 before and after deductibles.
I told her that both of us take a medication that the manufacturer is currently providing free of charge. She said I would have to call those manufacturers to inquire how they would be handled.

Does anyone here use this company for prescription coverage? Are there other companies I should look into?
I can't believe this has to be done every year...bleh! I know there are seniors who can't do this for themselves and might not have anyone to do it for them. What do they do?

It sounds too good to be true. $31 a month and no copays is outstanding....if it's true.

Qestions.
Did you talk to Humana or just to Medicare?
Or was it some kind of third party that sells medicare related products?
What kind of product is it? Is it a standalone RX policy or part of a Medicare Advantage policy?

I investigated corporate fraud for many years. I'd never sign up through any party except directly with the company. These third party entities make me too nervous.

@CalminHeart we have Wellcare for our Part D coverage and there are no co-pays for what my husband takes. The 2026 premium will be less than $30 a month.
I question that premium because they did not sign up for Part D coverage when they became eligible and are subject to a penalty for the rest of their lives.