So you have a prescription drug plan and it’s working wonderfully. You pick up all of your medications each month from your favorite local pharmacy, the pharmacists is always helpful and you really trust her. You stop in to pick up your last prescriptions for the year and wish your pharmacist a Happy New Year and out the door you go to continue your Christmas shopping. The plan worked so well you figured, why check on it? What could have possibly changed? Then January rolls around and as you stand at the counter waiting for your three medications, your favorite pharmacist comes out with a much different look on her face than normal…something is not right. She proceeds to tell you that they no longer accept this insurance program and your $200 eye drops that used to be a modest $40 co pay are not even covered by this plan this year. What’s worst she goes on to tell you is that you are locked into this plan for the rest of the year and cannot change it until next year.
Unfortunately, this is not an uncommon story and one we’ve heard throughout the years. Our commitment to you is to provide you value that you just don’t get anywhere else. Yes, you can review the Annual Notice of Change letter that each insurer is required to send you. Yes, you can try to go on individual insurer websites and crunch numbers or navigate medicare.gov. Or, you can contact us! Our team will look at your medication list, your preferred pharmacy or mail order preference, and evaluate not only total costs, which includes premiums, deductibles, co pays but go a step further. We’ll show you what pharmacies will give you the best value (yes, co pays on the exact same plan can now even vary by pharmacy) and compare mail order just so you know where you can find additional cost savings. We don’t stop there. We look to see if your medications are on the formulary of the company you are considering, try to determine the approx cost of each medication, and give you strategies to reduce the effect of the “donut hole” or coverage gap. We’ll even let you know if there are quantity limits, step therapy, or any medications that require physician authorization.
Our knowledgeable staff can also help you determine if a Medicare Supplement or a Medicare Advantage is right for you. So many people people get caught up on the premium and think that is the single most important factor in making a decision. It’s not. What may be an excellent choice for your neighbor or family member, could be a disastrous choice for you. There are so many factors that come into play and our experience working with over 1,000 Medicare customers for decades has proven helpful to our customers year in and year out. We take the time to understand YOU.
The Annual Enrollment Period runs from October 15th and ends on December 7th. Once this time period expires, there are very few exceptions to change your plan for the following year. We encourage you to take the time to research on your own, or simply participate in our review process and why not? It’s free! It’s our small way of saying thank you for doing business with us and our way of differentiating ourselves from the other guys. We are here to serve you!