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Medicare Part D plans typically use a system of cost tiers to rank prescription drugs according to their cost. Out-of-pocket costs for the enrollee are generally higher for higher-tier drugs.
Generic drugs are typically in the lowest (cheapest) tier, while brand-name drugs will be in a higher tier, and specialty drugs will be in the highest tier.
But each insurer designs its own formulary (covered drug list). Plans can have varying amounts of tiers, and the drugs in those tiers will be different from one plan to another.
Instead of having to wade through the formularies of all the Part D plans available in your area, you can use Medicare’s drug finder tool, which allows you to type in your medications and see how each plan will cover them. You’ll need to repeat this process each year, during open enrollment, as the plans can change from year to year.
But prescription drugs – and drug coverage – can be less expensive if you're willing to do a little research and to reach out for help. Here are eight strategies that will empower you to take control of your drug coverage and your medication costs.
Generally, a prescription written by your doctor will be covered under your Medicare prescription drug plan if you make sure your doctor is up to date on the prescription drugs your specific plan covers and that your doctor is aware of how much medication your plan allows you to obtain at a time.
But prescription drugs – and drug coverage – can be less expensive if you're willing to do a little research and to reach out for help. Here are eight strategies that will empower you to take control of your drug coverage and your medication costs.
Generally, a prescription written by your doctor will be covered under your Medicare prescription drug plan if you make sure your doctor is up to date on the prescription drugs your specific plan covers and that your doctor is aware of how much medication your plan allows you to obtain at a time.
