|•|| How will I choose between a stand-alone Medicare Part D prescription drug plan (PDP) and a Medicare Advantage plan that includes prescription drug coverage (MAPD)?
Medicare prescription drug coverage is available through either stand-alone Medicare Part D prescription drug plans (PDPs) or Medicare Advantage plans that include prescription drug coverage (MAPDs) . . .
|•|| If I decide not to join any Medicare prescription drug plan, and I do not have any other prescription coverage, how long will I have to pay the late-enrollment premium penalty?
Probably forever. The late-enrollment premium penalty is permanent for most people over 65 and you will pay the penalty as long as you are enrolled in a Medicare Part D prescription drug plan (o . . .
|•|| What kind of discount can we expect in the Medicare Part D Donut Hole or Coverage Gap?
Starting back in the 2011 Medicare Part D plan year, a discount or co-insurance (cost-sharing) was introduced to reduce the cost of generic and brand-name prescription drugs purchased by non-LIS . . .
|•|| Is there really any difference between a Medicare Part D prescription drug plan and a Medicare Advantage plan?
Yes! A stand-alone Medicare Part D prescription drug plan (or PDP) only provides out-patient prescription drug coverage. Alternatively, Medicare Advantage plans provide coverage for your . . .
|•|| Do Medicare Part D plans cover the shingles vaccine?
Yes. Medicare Part D prescription drug plans do cover the shingles vaccine (stand-alone Medicare Part D plans and Medicare Advantage plans that include drug coverage). However, coverage (a . . .
|•|| How do I report the death of a Medicare beneficiary?
You can call the Social Security Administration to report the death of a Medicare beneficiary at 1-800-772-1213 (TTY 1-800-325-0778).As noted on the Social Security Administration site:"You cannot re . . .
|•|| What is the Initial Coverage Limit? Can the limit vary between Medicare Part D plan providers?
Your Initial Coverage Limit (or ICL) is the boundary between your Medicare Part D plan's Initial Coverage Phase and the Donut Hole or Coverage Gap. The ICL is the total retail value of formulary . . .
|•|| When will Social Security begin deducting my Medicare plan premiums from my monthly Social Security check?
Within 2 to 3 months. Depending on any administrative issues, you can usually expect your Social Security check premium deductions to begin within 2 to 3 months after the start of a new Medicare . . .
|•|| When I enroll in a new Medicare Part D prescription drug plan, do I need to disenroll from my old Medicare Part D plan or do I need to notify the current prescription drug plan about the change?
No. You do not need to cancel or disenroll from your existing Medicare Part D plan before enrolling in a new Medicare Part D prescription drug plan. When you change Medicare Part D prescripti . . .
|•|| Is Xanex or Alprazolam allowed to be covered by Medicare Part D prescription drug plans?
Yes, "when [these medications are] used to treat epilepsy, cancer, or a chronic mental health disorder". A certain group of prescription medications are specifically excluded from Medicare Part D p . . .
|•|| Do you have an online Formulary Browser that I can use to see the prescriptions covered by my Medicare Part D plan?
Yes. We have our Formulary Browser online that includes every Medicare Part D and Medicare Advantage plan formulary or drug list and all formularies are formatted for alphabetical browsing.  . . .
|•|| What do I need to know about my new Medicare card?
The Centers for Medicare and Medicaid Services (CMS) is mailing new Medicare cards to all 57.7 million Medicare beneficiaries (starting back in April 2018) and will continue through April 2019*. As . . .
|•|| Why are my medications costing more this year even though I didn't change Medicare Part D plans?
Annual Medicare plan changes and increases in your retail drug costs. Medicare Part D prescription drug plans can (and usually do) change every year and even if you stayed with your same plan f . . .
|•|| What is Extra Help?
The Medicare Part D Extra Help or Low-Income Subsidy (LIS) program helps people with limited financial resources pay for their Medicare Part D prescription drug coverage. If you receive Medicare Pa . . .
|•|| If I am paying a Part D late-enrollment penalty and then become eligible for Extra Help, am I still responsible for paying the penalty?
No. You are not responsible for a late-enrollment penalty (LEP) if you are now eligible for the Medicare Part D Extra Help or Low-Income Subsidy (LIS) program.And remember, you automatically qua . . .
|•|| Can I be assessed an Income Related Monthly Adjustment Amount (IRMAA) if I am enrolled in my employer's Medicare Part D plan?
Yes. If your annual income (MAGI) exceeds certain limits - and you are enrolled in an employer-sponsored Medicare Part D prescription drug plan (PDP) or Medicare Advantage plan with prescriptio . . .
|•|| Why am I no longer allowed to have my Medicare Part D premiums automatically deducted from my monthly Social Security check?
When you enrolled in your new Medicare Part D prescription drug plan you may have selected to have your monthly plan premiums automatically deducted from your Social Security check. Howeve . . .
|•|| I learned that no Medicare Supplement Plan F can be sold after 2020. If I am already enrolled in a Plan F, will I be able to keep my Medigap Plan F beyond 2020?
Yes. If you are enrolled in a Medicare Supplement Plan F before 2020, you will be able to keep your Medicare Supplement after 2020. But, as many financial advisors have stated, you may find t . . .
|•|| Am I required to use my Medicare Part D plan when buying my prescriptions?
No. You are not required to use your Medicare Part D plan even when you are buying a formulary drug at one of your Medicare plan's network pharmacies. However, except in certain situations (e . . .
|•|| Can I be assessed an Income Related Monthly Adjustment Amount (IRMAA) for Medicare Part D if I am enrolled in a Medicare Advantage (MAPD) plan?
Yes. If your annual income exceeds certain limits - and you are enrolled in a Medicare Advantage plan (HMO, PPO, or PFFS) that includes prescription drug coverage (MAPD), then your M . . .
|Q&A of the Day|
|Help! Where Do I Start?|
|General Medicare Part D (PDPs and MAPDs)|
|Medicare Advantage Plans (MAPD)|
|Medicare Supplements or Medigap|
|Medicare Savings Account Plans (MSA)|
|Choosing a Medicare Plan |
|Star Ratings & Medicare Plan Quality|
|Medicare Part D Enrollment|
|ANOC: Annual Plan Changes|
|Changing Medicare Part D Plans|
|Medicare Enrollment Periods (IEP and AEP)|
|Special Enrollment Periods (SEPs)|
|Medicare Plan Disenrollment|
|Late-Enrollment Penalty (LEP)|
|Cost-sharing: What You Pay|
|Paying Your Premiums|
|Extra Help - LIS - Medicaid|
|IRMAA: Higher Incomes and Costs|
|Living with Your Medicare Part D Plan|
|Explanation of Benefits (EOB)|
|Pharmacies and Part D|
|Retail Drug Pricing|
|Understanding Your Formulary|
|Monthly Formulary Changes|
|Drug Usage Restrictions (QL, PA, ST)|
|Formulary Exceptions (Coverage Determinations)|
|Coverage of Specific Drugs|
|Diabetes and Diabetic Coverage|
|The Donut Hole or Coverage Gap|
|Entering the Donut Hole|
|Donut Hole Discounts|
|Closing the Coverage Gap|
|Exiting the Donut Hole|
|TrOOP and MOOP: Out of Pocket Costs|
|Specific Healthcare Coverage|
|Medicare Plan Providers|
|Traveling with Your Medicare plan|
|Moving and Medicare Part D|
|Drug Discount Cards|
|Using Part D with Other Drug Programs|
|VA and TRICARE Coverage|
|Employer Drug Coverage|
|New Medicare Cards|
|Medicare Part B|
|Medicare Set Aside Arrangements|
|Medicare and the ACA Marketplace|
|Online Tool Tips|
|Other Q1Medicare Tips and Questions|
|$250 Doughnut Hole Rebate (Only in 2010)|