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12-05-2025 10:20 PM
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?
12-05-2025 10:33 PM
@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."
12-05-2025 10:38 PM
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.
12-05-2025 10:50 PM - edited 12-05-2025 10:52 PM
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.
12-05-2025 11:18 PM
conit - you explained this so well and so efficiently!
Part D definitely depends on what pharmacy you choose and what
your medications are.
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