AARP MedicareRx Saver Plus for Indiana is a prescription drug plan (Medicare Part D Plan) that's available to seniors in Indiana on Medicare. The Centers for Medicare & Medicaid Services (CMS) evaluated this plan's previous year performance and rated it out of 5 stars ("Below Average") for quality.
The monthly premium (payment) is $26.80. It features a $320.00 deductible. There are more cost related details on the premium page. You also have co-payments when you pickup your prescriptions at the pharmacy. Be sure to look at the coverage page to make sure it fits your needs.
This plan offers the full low income subsidy (LIS) benefit (zero dollar premium) for seniors on Medicare who qualify.
Like all Medicare Part D plans sold in Indiana, AARP MedicareRx Saver Plus is a cost sharing based prescription drug plan (PDP). The AARP MedicareRx Saver Plus PDP has three distinct costs: monthly premiums, an annual deductible, and co-payments.
The monthly premium is $26.80 ($321.60 paid annually), and the annual deductible is $320.00. For 2015, the maximum Part D deductible is $320. A plan with the maximum deductible does not necessarily mean that it is more expensive than a plan with a lower deductible or no deductible at all. You need to consider all costs.
Be aware that you must continue to pay your monthly premium even when you are not using any medications. Also, it's important to plan ahead because you are responsible for one hundred percent of your prescription costs until the plan's deductible has been met. You also make the required copayment when you pickup your prescriptions. These are your share of the prescription drug costs. The plan pays the rest until you reach the coverage gap (aka, “donut hole”).
For all seniors on Medicare, there are two conditions that could affect how much you pay for this plan. If you qualify for the Social Security Extra Help program your premium will generally be lower. Also, if you enrolled late the Centers for Medicare and Medicaid Service may impose a premium penalty. Contact your local Indiana Medicare Insurance Agent to get an exact quote for your situation.
AARP MedicareRx Saver Plus for Indiana seniors features an initial coverage limit (ICL) of $2,960, and there is a $320.00 deductible. Be aware that the ICL is calculated using the full retail price of your medications, not the amount paid by the insurance carrier. In addition to the premium, you will make co-payments at your pharmacy. Visit the co-pay page to see the co-payment plan.
This Part D Plan has a $320.00 deductible. That means you will pay all of your prescription costs until you have spent $320.00, at which point the ICP cost sharing phase begins. The maximum deductible allowed changes each year. In 2015 the maximum is $320.
AARP MedicareRx Saver Plus Initial Coverage Limit
It's important to understand the initial coverage limit (ICL) and how it applies to you in Indiana. The ICL is where you share the cost of your prescriptions with the insurance company. You and the carrier (UnitedHealthcare) each pay your share until you reach a total of $2,960 spent at the pharmacy on prescriptions. At that point you pay all costs yourself because you're in the coverage gap, as explained below.
Medicare Part D Coverage Gap (Donut Hole)
When you fall into the coverage gap, or donut hole as many people call it, you are basically uninsured and must pay for all of your prescription costs out-of-pocket. When you reach the coverage gap will all depend on your prescriptions. Most seniors never exceed the ICL and don't have to worry about it. If you are on a long-term medication that's costly, you could reach the donut hole very quickly.
If you reach the ICL (most seniors don't), then you are responsible for 100% of your prescription costs until your out-of-pocket costs hit $4,550 (excluding your monthly premiums and the amount paid by the plan). This is called the coverage gap or donut hole. The good news is that you get a 47.5% discount on brand-name prescription drugs and a 28% discount on generic drugs while you're in the gap. You get to the other side of the donut hole when you've spent $4,550, at which point you automatically qualify to receive catastrophic coverage from Medicare.
Additional Gap Coverage with AARP MedicareRx Saver Plus
Some plans offer additional gap coverage. UnitedHealthcare does not offer additional coverage with the AARP MedicareRx Saver Plus PDP in Indiana. If you reached the coverage gap last year and were not able to afford your medications, be sure to check with your local Indiana Medicaid office. You may qualify for additional assistance. The Social Security Administration's Extra Help program is another opportunity for seniors on Medicare who are not able to afford their prescriptions.
Copayment & Coinsurance Details
In addition to the monthly premium and annual deductible, the AARP MedicareRx Saver Plus prescription drug plan has copayments and/or coinsurances that you must pay when you pickup your medications. Here's the schedule for this plan:
|Tier||Co-Pay Amount||Medications in Tier|
|1||$1.00||63 Preferred Generics|
|2||$2.00||732 Non-Preferred Generics|
|3||$25.00||947 Preferred Brand Drugs|
|4||$40.00||890 Non-Preferred Brand Drugs|
|5||25%||647 Specialty Drugs|
The AARP MedicareRx Saver Plus Medicare Part D plan uses UnitedHealthcare formulary number 00015003, which covers 3279 generic and brand name drugs.
Compare this plan with these Indiana PDPs:
- Humana Walmart Rx Plan PDP for Indiana
- Cigna-HealthSpring Rx Secure PDP for Indiana
- EnvisionRxPlus Silver PDP for Indiana
- Anthem Blue MedicareRx Premier PDP for Indiana
- SilverScript Plus PDP for Indiana
If you are entitled to Medicare Part A (enrolled or not) or currently enrolled in Medicare Part B you may join the AARP MedicareRx Saver Plus prescription drug plan. Unless you also receive benefits from Medicaid, enrollment in a Part D plan is voluntary. This plan is available in Fort Wayne, Evansville, South Bend, Noblesville, Bloomington, Fishers, Hammond, Gary, Muncie, Lafayette, Terre Haute, Greenwood, Elkhart, Indianapolis, Carmel, Anderson and all other towns and cities in Indiana.
This catalog is maintained by 9/13/2015. CMS File Date: October 15, 2014.and was last updated on
For more information, download the Summary of Benefits , visit the UnitedHealthcare website, or call UnitedHealthcare at N/A.