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Medicare Part D Plans: Assessing for Optimal Coverage Based on Your Needs

Posted by Russ Scott
Estimated Reading Time 1 minute 19 seconds

Medicare Part D Plans: Assessing for Optimal Coverage Based on Your Needs

For Medicare beneficiaries who have chosen Original Medicare (Part A and Part B), Medicare Part D plays a crucial role in providing coverage for prescription medications. As healthcare needs evolve, it’s essential to regularly assess your Part D coverage and consider whether switching to a different Part D plan may better suit your requirements.

Assessing Your Prescription Needs. Begin the evaluation process by reviewing your current medications and assessing any changes in your health since your last enrollment. Check if your existing Part D plan still covers all of your prescriptions, and ensure it provides adequate coverage for any new medications that may have been prescribed.

Cost Considerations. Examine the costs associated with your current Part D plan, including deductibles, and copayments for medications. Review these figures to other available plans in your area to determine if there’s potential for a more favorable term.

Formulary Changes. Part D plans have a list of covered medications known as a formulary. Changes to this formulary can impact the coverage of specific drugs. Ensure that your essential medications remain on the list and assess the tier at which they are covered, as this affects your out-of-pocket costs.

Consider Your Pharmacy Network. Evaluate the pharmacy network associated with your current Part D plan. Confirm that your preferred pharmacy or pharmacies are within the plan’s network to maximize convenience and minimize costs.

Making the Switch. If, upon assessment, you find that your current Part D plan falls short of your expectations, whether it’s choosing a new plan with suitable coverage, that maximizes your needs or budget, or a more favorable pharmacy network, we can assist you.

Taking the time to assess your Medicare Part D coverage is a proactive step toward ensuring your prescription medication needs are met effectively.  Call us if you need assistance at this time, and we’ll be happy to help you explore your Medicare plan options

Russ Scott //

I was born and raised in Tulsa, Oklahoma. I played rugby at Oklahoma State University where I graduated with a degree in Finance and a minor in Accounting. My wife, Erica, and I married in 2009 and have three wonderful children Rory (8), Sydney (6) and Reince (5). I've also been a licensed insurance professional with Medicare in the center of it all for more than 15 years.

One thing I don't take for granted is getting the privilege to meet with individuals and independent agents every week to discuss insurance needs in today’s ever-changing benefits environment. The companies that our agency has chosen to represent have become leaders in their markets and our vision is to develop a strong, capable distribution force to bring their insurance products to the public.

Legacy Insurance Advisors' mission is to sell and service all forms of health and life insurance by representing the best carriers in the industry, by maintaining a superior client base, by partnering with and retaining the most qualified professionals, and by providing all agency personnel with the training and tools available to give the very best possible service to our clients and companies. Our agents, managers, and staff are committed to educating and empowering our policyholders. We will provide guidance and expertise while managing our clients’ risk. Because of Legacy Insurance Advisors’ access to multiple providers in nearly every line of insurance, we will customize plans to fit our clients’ wants and needs.

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