Medicare is the federally administered health care program for elderly and disabled Americans. Part D is the section of Medicare that offers prescription drug coverage. These drug programs are available exclusively through private drug insurance companies, and thousands are available nationwide. While each state and region will have a different selection of plans, here are a few that are available nationwide.
AARP MedicareRx Saver
UnitedHealthcare offers the AARP MedicareRx Saver plan. This plan offers a median-priced premium at $36.40 and a deductible at $310. The beneficiary can expect to pay anywhere from $6 to $93 on prescriptions on this plan, and Medicare.gov's Planfinder rates this plan's overall customer satisfaction as 3.5 out of 5 stars.
aarpmedicareplans.com
CIGNA Medicare Rx Plans
CIGNA Medicare Rx Plans are available in three tiers. Plan One is a low-premium ($27.30) plan with co-pays; however, there is a deductible to meet ($295). Plan Two has a premium ($45), but no co-payments and no deductible for some generics. For other drugs, there is a low deductible. Plan Three is a high-premium plan ($78.70) with no deductible that covers certain generics throughout the Part D coverage gap.
secure.cigna.com/health/provider/medical/cignaturerx.html
CVS Caremark Complete
CVS Caremark Complete is a Part D plan offered by the SilverScript Insurance Company. This plan is has a high premium at $76.70, but has no annual deductible. Preferred generic drugs are $2.50, and regular generics are $7.50. Preferred brand-name drugs are $39, and non-preferred brand-name drugs are $98. According to Medicare.gov, the average consumer customer service rating is 4 out of 5 stars.
silverscript.com
GHI Medicare Prescription Drug Plan
The GHI Medicare Prescription Drug Plan is a low-premium plan at only $19.60 a month, but it comes with a deductible of $295. This plan works as a benchmark plan, meaning those who qualify for the federal low-income subsidy, Extra Help, can have the entire premium paid for by Social Security. This plan does not offer any coverage through the coverage gap.
ghi.com
First Health Part D-Secure
This plan is available with a low monthly premium of $14.50 per month and a $175 annual deductible. When not in the annual coverage gap period, preferred generic drugs are only $4, while preferred brand drugs are $20. All non-preferred drugs, generic and brand, are $50. This plan rated well in timeliness for members who needed to appeal drug coverage decisions (5 out of 5 stars), but rated low on fairness based on drug appeals when escalated to an independent reviewer (2 out of 5 stars).
firsthealthpremier.coventryhealthcare.com
Tags: This plan, AARP MedicareRx, AARP MedicareRx Saver, annual deductible, available nationwide