Medicare and the Prescription drug card
If you listened to the news, the Medicare
card from the Bush administration, was worthless.
As it turned out, when we went on Medicare, we found
out, the medication plans work well, if you set it up right. Setting
it up right involves getting a "Medigap" plan (we do AARP which is one of
the more expensive plans but pays everything that Medicare doesn't pay)
and a prescription drug plan - we use Cigna MedicareRX which has worked well
for us. As it turns out, even medications not directly covered in the
plan, are greatly discounted.
Medicare doesn't have a ceiling meaning if you don't set it up right, you could be stuck for 20% of the bill - it also pays 80% but that's where you have to obtain a good strong Medigap plan (like AARP) to cover the so-called "donut hole". Ours pays everything but costs us over $300 a month for the 2 of us. However, since my husband has been hospitalized several times and has multiple medical issues, and our plan has paid it all, it has been worth it to us.
Took me a year to figure it out and set us up but
I'm glad I took that time.
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