It is not easy to be sick nowadays because of the high costs of medicines, and so citizens need all the help they can get. There are several means of getting prescription plans and one of them is the Medicare. With the coming in of Medicare Advantage Plans and the Medicare Part D prescription drug plan, medicare has become more complicated and confusing to many who are yet starting to use this plan. In this case, it is sometimes a difficult task to understand which insurance option one would take, and which prescription drug would be best in order to save money. But in some instances, even after selecting the plan, medication costs can still be very expensive that many cannot afford.
Thankfully, several services are now available that can provide assistance about Medicare to people. Note that some are free and not also known. Let us discuss briefly some services that will offer help to you for your understanding about your medicare insurance options and also help you cut down costs of your prescription medication.
For free Medicare counselling, every state is required to have free and this is through HICAP or Health Insurance Counselling Assistance Program.
Discovering The Truth About Medications
One service is through pharmaceutical companies called Patient Assistance Program, where the individual need not pay his or her medication or at a little cost only. You only have to show your proof of insurance and financial status together with the application that both of you and your physician who prescribed the medication. Just take note that the rules of eligibility could vary for each pharmaceutical firm.
Medicines – Getting Started & Next Steps
For your deductible costs or Medical premium, a person’s Medicare Savings Program will be of help to pay some of it. Note that eligibility is based on your income, and this includes our Medicare Part B monthly premium.
Another service is the Medicare Extra Help or Low Income Subsidy Program that will help you in the payment of some of your prescription costs under Medicare Part D, like coverage gap, premiums and co-pays.
There is free counselling and advocacy given to members of Medicare and this service is called the Medicare Rights Center. The staff in this office may not be staff employees but they have more than enough knowledge about Medicare.
If you are still working but will be soon eligible for Medicare, you can ask your Human Resource person for advice.
Another service entity is the State Pharmaceutical assistance programs that help adults that are older to pay some of their medication expenses, but unfortunately, not all states have this service.
Under the office of Veteran Affairs, those who have served in the military will be qualified for services and prescriptions.
There are some excellent resources too that assist persons with co-pays for their particular medicines depending on the sickness.