West Virginia seniors, Medicare Part D plans are getting better every year, and 2015 is no exception. Choose your Part D Plan wisely. If you have a regular prescription or two, we suggest that you verify that the plan you want offers your medication at a good price. This information is available in the plan’s formulary. The formulary also gives you the co-payment information.
2015 Medicare Part D Donut Hole
If you have expensive prescriptions, chances are that you will reach the Medicare coverage gap (aka, donut hole) on your plan. The Affordable Care Act eventually closes the gap, but it’s still with us in 2015. Until the donut hole is gone for good, you can save money on prescriptions that are not covered by downloading a Pharmacy Discount Card or coupons. We recommend GoodRx.com.
Medicare Part D is Included with Most West Virginia Medicare Advantage Plans
Your Medicare benefits are flexible, and there’s more than one way to get prescription drug coverage. The Part D plans above work with Original Medicare. That’s one way. But maybe you’d like even more benefits. That’s where West Virginia Medicare Advantage Plans come in. Most offer Part D coverage.
Part D Plans and Medicare Supplements Work Together
Thinking about supplemental insurance that can offer you more coverage? It’s a smart move. Even with the new healthcare law fully in place, your Original Medicare only pays about 80 percent of your West Virginia healthcare bills. MedicareWire.com makes it easy to find the lowest price on the West Virginia Medicare Supplement, commonly called a Medigap plan, you want. All Medigap plans are 100% compatible with the prescription drug plans listed above.
Medicare Part D for Dual Eligibles
If you meet the requirements for both Medicare and Medicaid (dual eligible) in West Virginia, you will automatically receive a Medicare Prescription Drug Plan, as well as Extra Help from Social Security. If you qualify for Extra Help, the program will cover most of the costs of your prescriptions. You may also enroll in a plan of your own choosing that better meets your needs. If you qualified for Medicaid before you were eligible for Medicare, contact the your local Medicaid office.