Powered by Q1Group LLC
Education and Decision Support Tools for the Medicare Community

Why are my medications costing more this year even though I didn't change Medicare Part D plans?



Browse the Most Viewed and Newest Medicare Part D FAQs
If you still have questions, please contact us through our Online Help Desk.


FAQ 1 of 9 in this Category
Prev   Next

Question: Why are my medications costing more this year even though I didn't change Medicare Part D plans?
Category: ANOC: Annual Plan Changes

Answer: 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 from last year, there are a number of possible reasons why you may be paying more for your prescriptions this year.

In the following examples, we will use plan years 2017 to 2018 to illustrate how drug costs can increase year-to-year.
  • Your medication is no longer covered by your 2018 drug plan.
    If your 2018 prescription drug plan has dropped your medication from the plan’s formulary – possibly due to the availability of a less expensive generic – your plan will provide you with a 30-day transition fill so you have time to find an alternative medication or file a formulary exception request to have your non-formulary drug covered.

    Transition fills are not free and the cost of your transition fill can be more than what you paid for your medication last year.  If you have not requested a transition fill, or already used your 30-day transition fill, you will pay the full retail cost for your non-formulary medication.

    Suggestions:  (1) Request a transition fill, (2) search for a generic or alternative medication, (3) request a formulary exception from your Medicare Part D plan to have a non-formulary drug covered by your plan (click here to learn about requesting a formulary exception), and (4) check the price using a drug discount program.

  • You are still in your plan’s Initial Deductible.
    Your 2018 Medicare prescription drug plan may now have an Initial Deductible or a higher Initial Deductible than last year (the 2018 standard deductible is $405), so you are currently paying full price for your medications, until you meet your plan’s deductible.  For example, if you were enrolled in the 2017 EnvisionRxPlus (PDP) that had either a $260 or a $270 deductible (depending on your location).  Your 2018 Initial Deductible is $300 so you will be in your Initial Deductible longer this year.  You can click here to read more about 2017 plans that increased their Initial Deductible in 2018.

    Suggestion:
      Be prepared to pay full retail cost until you meet your plan’s deductible or, depending on your plan, seek generic drugs that may be in a lower-costing formulary tier that is excluded from your plan’s deductible.

  • Your drug co-payment increased.
    Your Medicare plan may have increased the cost-sharing (co-payment) of your plan’s drug tiers.  For example, the Florida AARP MedicareRx Saver Plus plan now has higher cost-sharing on some 2018 drug tiers.

    Florida AARP MedicareRx Saver Plus plan
      2017 2018
    Monthly Premium $32.90 $42.00
    Initial Deductible $400 $405
      Cost Sharing
    Tier 1 Preferred Generic $1 $1
    Tier 2 Generic $2 $10
    Tier 3 Preferred Brand $17 $31
    Tier 4 Non- Preferred Brand 30% 36%
    Tier 5 Specialty Tier 25% 25%

    Suggestion:  Request a tiering exception from your Medicare Part D plan to have your medication moved to a more affordable drug tier. Also, check the price using a drug discount program.

  • Your cost-sharing changed from co-payment to co-insurance.
    Your 2018 drug plan may have changed your cost-sharing from co-insurance (a percentage of your drug’s retail price) to co-payment (a flat fee) or vise-versa.  For instance, the EnvisionRxPlus plan changed their Tier 1 preferred generic drugs from a 10% co-insurance to a $1 co-payment and Tier 2 generics from a 12% co-insurance to $3 copay.  So, if the retail price of your Tier 2 medication is less than $25, you will be paying more for your medication in 2018 as compared to 2017.

    As an example, AMIODARONE HCL 200 MG TABLET is a low-cost, Tier 2 generic with a flat 2018 $3 co-pay.  Last year, you paid $1.03 ($8.56 x 12% co-insurance).   If your medication is a more expensive Tier 2 medication, such as PERINDOPRIL ERBUMINE 2 MG TABLET, in 2017 you paid $11.01 ($91.76 x 12%) in co-insurance and in 2018, you only pay the $3 co-pay.

  • You purchased your formulary medication at a non-network pharmacy or a standard network pharmacy.
    If you fill a prescription at a pharmacy that is not part of your Medicare Part D plan’s pharmacy network, you will pay full retail price for the medication.

    If you fill a prescription at a pharmacy that is considered a standard network pharmacy, rather than a preferred network pharmacy, you may pay higher cost-sharing.  Click here to read more about cost-sharing at 2018 preferred and standard network pharmacies.

    Suggestion:  Contact your plan’s Member Services department to find a preferred network pharmacy in your area (or to learn about mail order options, if available).  If you cannot find a network pharmacy, you may be able to use a non-network pharmacy and ask your Medicare plan for reimbursement.

  • Your medication is now on a more expensive formulary tier.
    Although you did not change Medicare plans, your plan moved your medication to a higher costing formulary drug tier for 2018.  For example, DANAZOL 50MG CAPSULES were a Tier 2 generic medication with $3 co-pay on the 2017 Express Scripts Medicare - Value plan in Texas.  Now in 2018, the same medication is a Tier 4 non-preferred drug with 48% co-insurance, bringing your estimated cost-sharing to $78.84 ($164.25 x 48%).

    Suggestion:  Request a tiering exception from your Medicare Part D plan to have your medication moved to a more affordable drug tier.

    Related Question: Can I get a tiering exception to lower the cost of my Tier 5 Specialty Drug.

    No.
      You should find that your Medicare Part D plan Evidence of Coverage (EOC) document states:  “Drugs of our [insert name of specialty tier] are not eligible for this type of exception [tiering exception]. We do not lower the cost-sharing amount for drugs in this tier”.  However, Medicare Part D plans that have only one drug tier or use the standard cost-sharing (25%) across all tiers may exclude the above text from their EOC.

    Suggestion:  Consider contacting the drug manufacturer and ask about a Patient Assistance Program or other means to receive a discounted price. Also, check the price using a drug discount program.

  • Your plan uses co-insurance and your drug’s retail price increased.
    It is possible that your 2018 Medicare prescription drug plan did not make any changes in cost-sharing or formulary structure, but your Medicare Part D plan’s negotiated retail cost for your medication has increased and you are paying more because your plan uses co-insurance as a cost-sharing model.  For example, TERBUTALINE SULFATE 2.5 MG TABLETS on the Texas Cigna-HealthSpring Rx Secure-Extra plan, had a co-pay of $66 ($132 x 50%) in 2017 and this year you are paying $111 ($222 x 50%) – due solely to the 68% increase in drug’s the retail price.

  • The retail price of your medications has already pushed you into the Donut Hole.
    If the retail price of your medication purchases is already over $3,750, you are in the Coverage Gap (Donut Hole).  While in the 2018 Donut Hole you will pay 35% of the retail price for brand-name drugs and 44% of the retail price of generic drugs.  You can click here to read more about the Donut Hole or Coverage Gap.

  • You have been automatically moved to another Medicare plan.
    It is possible your 2017 Medicare plan was consolidated or merged into another drug plan, and you were automatically “crosswalked” (reassigned) to the new plan – and your new Medicare plan may have very different features from your 2017 plan. 

    Over 80,000 Medicare beneficiaries were crosswalked into a different 2018 Medicare Part D plan, unless they chose a new plan during the Annual Enrollment Period (AEP).  For instance, the members of the 2017 First Health Part D Premier Plus plan in 28 states were moved to the 2018 First Health Part D Value Plus plan and now have a Tier 3 preferred brand drug co-payment of $47 instead of the $34 copay they had in 2017.  You can click here to read more about other 2017 plans that automatically moved their members to new 2018 Medicare Part D plans.

  • You have lost (or had a change in) your Medicare Part D Extra Help benefits.
    If your financial situation has changed, it is possible that you are no longer eligible for Medicare Part D Extra Help benefits (paying your premium, deductible, and lowering your drug cost-sharing) – or you may have been moved to an Extra Help level that is less than the full (or 100%) Low-Income Subsidy and are now paying a portion of your deductible and higher drug costs.

    You may have forgotten to submit the required financial documentation for 2018.

    Suggestion:  Your financial status may have already changed during 2018 and you may, again, be eligible for full Extra Help – or you may be eligible for a higher level of support.  Contact your local state Medicaid office for more information about your Extra Help status or visit https://ssa.gov/prescriptionhelp.

    Related Question:  I have Extra Help and I didn’t change my Medicare drug plan, so why am I being charged a premium?

    If a Medicare Part D plan no longer qualifies for the full low-income subsidy (LIS) $0 monthly premium, Medicare will automatically move LIS recipients to a new plan that does qualify.  However, if you selected your own plan, Medicare will not move you to a new plan, even if your plan no longer qualifies for the $0 premium.  For example, if you chose to enroll in the 2017 California AARP MedicareRx Saver Plus plan and did not select a new plan during the 2018 Annual Enrollment Period, you still have the same plan for 2018.  However, the 2018 AARP MedicareRx Saver Plus plan no longer qualifies for the $0 monthly premium, so you can be charged a portion of the premium.  In this case, $8.70 – roughly the difference between the $44.20 plan premium and the 2018 California LIS benchmark premium of $35.51 – the amount you pay is set by the Medicare Part D plan.  You can click here to read more.

    You can click on the following links to see specific examples of plan changes from past years years:
    Increased costs from 2014 to 2015: https://Q1News.com/437.html
    Increased costs from 2013 to 2014: https://Q1News.com/328.html
    Increased costs from 2011 to 2012: https://Q1News.com/190.html




FAQ 1 of 9 in this Category
Prev   Next




Advertisement

Medicare Supplements
fill the gaps in your
Original Medicare
1. Enter Your ZIP Code:
» Medicare Supplement FAQs

Advertisement

Browse Categories
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)
Initial Deductible
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
Straddle Claims
Understanding Your Formulary
Monthly Formulary Changes
Drug Usage Restrictions (QL, PA, ST)
Formulary Exceptions (Coverage Determinations)
Transition Fills
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
Catastrophic Coverage
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
General Medicare
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)


Check for Savings Using a Drug Discount Card
Prescription Discounts are
easy as 1-2-3
  1. Locate lowest price drug and pharmacy
  2. Show card at pharmacy
  3. Get instant savings!
Your drug discount card is available to you at no cost.




Advertisement



Compare Discounted Prescription Prices
Prescription Discounts are
easy as 1-2-3
  1. Locate lowest price drug and pharmacy
  2. Show card at pharmacy
  3. Get instant savings!
Your drug discount card is available to you at no cost.



Tips & Disclaimers
  • The Medicare Advantage and Medicare Part D prescription drug plan data on our site comes directly from Medicare and is subject to change.
  • Medicare has neither reviewed nor endorsed the information on our site.
  • We provide our Q1Medicare.com site for educational purposes and strive to present unbiased and accurate information. However, Q1Medicare is not intended as a substitute for your lawyer, doctor, healthcare provider, financial advisor, or pharmacist. For more information on your Medicare coverage, please be sure to seek legal, medical, pharmaceutical, or financial advice from a licensed professional or telephone Medicare at 1-800-633-4227.
  • We are an independent education, research, and technology company. We are not affiliated with any Medicare plan, plan carrier, healthcare provider, or insurance company. We are not compensated for Medicare plan enrollments. We do not sell leads or share your personal information.
  • Benefits, formulary, pharmacy network, provider network, premium and/or co-payments/co-insurance may change on January 1 of each year. Our PDP-Compare.com and MA-Compare.com provide highlights of annual plan benefit changes.
  • The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan.
  • Limitations, copayments, and restrictions may apply.
  • We make every effort to show all available Medicare Part D or Medicare Advantage plans in your service area. However, since our data is provided by Medicare, it is possible that this may not be a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.
  • When enrolling in a Medicare Advantage plan, you must continue to pay your Medicare Part B premium.
  • Medicare beneficiaries with higher incomes may be required to pay both a Medicare Part B and Medicare Part D Income Related Monthly Adjustment Amount (IRMAA). Read more on IRMAA.
  • Medicare Advantage plans that include prescription drug coverage (MAPDs) are considered Medicare Part D plans and members with higher incomes may be subject to the Medicare Part D Income Related Monthly Adjustment Amount (IRMAA), just as members in stand-alone Part D plans. In certain situations, you can appeal IRMAA.
  • You must be enrolled in both Medicare Part A and Part B to enroll in a Medicare Advantage plan. Members may enroll in a Medicare Advantage plan only during specific times of the year. Contact the Medicare plan for more information.
  • If you are enrolled in a Medicare plan with Part D prescription drug coverage, you may be eligible for financial Extra Help to assist with the payment of your prescription drug premiums and drug purchases. To see if you qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/ 7 days a week or consult www.medicare.gov; the Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call, 1-800-325-0778; or your state Medicaid Office.
  • Medicare evaluates plans based on a 5-Star rating system. Star Ratings are calculated each year and may change from one year to the next.
  • A Medicare Advantage Private Fee-for-Service plan (PFFS) is not a Medicare supplement plan. Providers who do not contract with the plan are not required to see you except in an emergency.
  • Disclaimer for Institutional Special Needs Plan (SNP): This plan is available to anyone with Medicare who meets the Skilled Nursing Facility (SNF) level of care and resides in a nursing home.
  • Disclaimer for Dual Eligible (Medicare/Medicaid) Special Needs Plan (SNP): This plan is available to anyone who has both Medical Assistance from the State and Medicare. Premiums, co-pays, co-insurance, and deductibles may vary based on the level of Extra Help you receive. Please contact the plan for further details.
  • Disclaimer for Chronic Condition Special Needs Plan (SNP): This plan is available to anyone with Medicare who has been diagnosed with the plan specific Chronic Condition.
  • Medicare MSA Plans combine a high deductible Medicare Advantage Plan and a trust or custodial savings account (as defined and/or approved by the IRS). The plan deposits money from Medicare into the account. You can use this money to pay for your health care costs, but only Medicare-covered expenses count toward your deductible. The amount deposited is usually less than your deductible amount, so you generally have to pay out-of-pocket before your coverage begins.
  • Medicare MSA Plans do not cover prescription drugs. If you join a Medicare MSA Plan, you can also join any separate (stand-alone) Medicare Part D prescription drug plan
  • There are additional restrictions to join an MSA plan, and enrollment is generally for a full calendar year unless you meet certain exceptions. Those who disenroll during the calendar year will owe a portion of the account deposit back to the plan. Contact the plan provider for additional information.
  • Medicare beneficiaries may enroll through the CMS Medicare Online Enrollment Center located at www.medicare.gov.
  • Medicare beneficiaries can file a complaint with the Centers for Medicare & Medicaid Services by calling 1-800-MEDICARE 24 hours a day/7 days or using the medicare.gov site. Beneficiaries can appoint a representative by submitting CMS Form-1696.