Understanding and Choosing a Medicare Part D Plan
Under Medicare, medications are provided under “Part D” coverage plans. If you have a “Medicare Advantage” or similar plan, please consult with your Medicare Advantage insurance company regarding specific drug benefits. Medicare offers a variety of resources to help you understand and ultimately choose a Medicare Part D plan. Some of the key resources include:
General information about Medicare
This is the official federal website for Medicare and a good place to start.
Specific help with Medicare Part D
Read about the two ways to get Medicare prescription drug coverage — either through adding a Medicare Prescription Drug Plan (Part D) or getting a Medicare Advantage Plan (Part C) such as an HMO or PPO that offers Medicare prescription drug coverage. You can also use this site to:
• Learn what Medicare drug plans cover
• Learn about costs you’ll pay for Medicare drug coverage
• Find out when you can join a Medicare Advantage Plan (Part C) or drug plan (Part D)
• Learn how Part D works with other insurance
• Find and compare health plans, drug plan and Medicare Supplement Insurance (Medigap)
State Health Insurance Assistance Program (SHIP)
The SHIP refers to a group of federal and state funded programs. These programs work together to provide assistance with public and private health insurance issues and options to Medicare beneficiaries or those soon to be Medicare beneficiaries, their families and caregivers. SHIP in Wisconsin is under the direction of the State Department of Health and Human Services. If you need hearing assistance: 1-800-MEDICARE or TTY 1-877-486-2048
More help for Seniors:
Social Security Extra Help Program
Medicare beneficiaries can qualify for Extra Help with their Medicare prescription drug plan costs. The Extra Help is estimated to be worth about $4,000 per year. To qualify for Extra Help, a person must be receiving Medicare, have limited resources and income, and reside in one of the 50 states or the District of Columbia.
Waukesha County Aging / Disability Resource Center
The Center assists seniors and those with disabilities with paperwork to obtain their medications through patient assistance programs. A benefit specialist helps seniors fill out paperwork for discounted or free medications through drug manufacturers, provides information about less expensive options and cost-effective drug plans, and helps them apply for state or federal programs for which they may be eligible.
American Association of Retired People (AARP)
AARP’s “Drug Savings Tool” website helps you determine if there are less expensive options you can discuss with your doctor.