How would I decide if a Medicare Part D plan is the right choice for me?Like any insurance coverage decision, the question of whether to join a Medicare Part D plan depends on your particular situation.
There are however, certain simple factors that you can consider in preparation for this question.
For instance:
- How much do I spend each year on prescription drugs?
- What does the Medicare Part D plan cost each month?
- Does the Medicare Part D plan cover your particular prescription drugs?
- What are the Medicare Part D plan's co-payment and deductibles?
- Do you qualify financially for any "Extra Help" programs?
- Are you already elligible for prescription drug coverage by your previous employer, union, or the VA?
Please note, as a rough guideline, it is estimated that if you spend as little as $68.00 per month on prescription drugs (or $810.00 per year), you could save money with a Medicare Part D plan (depending on the plan's monthly premium).
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