Georgia Medicare Part D Plans (PDP) 2018 Prescription Drug Plans for People with Medicare

Georgia seniors, your Medicare Part D plan (PDP) choices are fewer this year. Fortunately, 2018 monthly premiums are about the same, however, the maximum deductible is now $405 per year, one of the lowest annual increases we've seen.

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(s) at a good price. You find this information in the formulary. We post links to the formulary and pharmacy web pages, as well as the plan's phone number, on each of the PDP pages listed above.

2018 Medicare Part D Donut Hole

Are you aware that the Medicare Part D coverage gap (aka, donut hole) is still with us? The good news is that the coverage gap is shrinking, and soon it will be gone completely. Until then you can save money on your uninsured prescriptions in Georgia by using a Prescription Savings Card or coupons. Pick one up at GoodRx.com.

The 2018 Initial Coverage Limit (ICL) is $3,750. The Coverage Gap (donut hole) starts when you reach the ICL ($3,750) and ends when you spend a total of $4,950. This year, Part D enrollees will get a 60% discount on the total cost of brand-name drugs purchased while in the donut hole. A 50% discount, paid by the brand-name drug manufacturer, applies to getting out of the donut hole. But, the additional 10% paid by your PDP does not count toward your True Out-of-Pocket (TrOOP) costs.

For instance, if you reach the donut hole and purchase a brand-name medication with a retail cost of $100, you'll pay $40 for the prescription and get a $90 credit toward meeting your total out-of-pocket spending limit.

PDP enrollees pay a 51% co-pay (maximum ) on all generic drugs purchased while in the coverage gap. For example, if you fall in the Donut Hole in 2018, and your generic medication retails for $100, you'll pay only $51. This amount counts toward your TrOOP.

Some plans offer additional gap coverage, so look for it on the plan information pages.

Get Your Prescriptions and More with a Georgia Medicare Advantage Plan

Medicare realizes that one type of plan does not suit everyone. That's why there are two ways to get help with your prescriptions. The Part D plans above work with Original Medicare. That's one way. But maybe you'd like even more benefits. That's where Georgia Medicare Advantage Plans come in. Most offer Part D coverage.

Part D Plans and Medicare Supplements Work Together

Medicare does not pay for all of your hospitalization and doctor bills. Even with the new healthcare law fully in place, your Original Medicare only pays about 80 percent of your Georgia healthcare bills. We keep an up-to-date catalog of Georgia Medigap Plans, also call a Medicare Supplement, with the tools you need to find the best price and coverage. The prescription drug plans above are fully compatible with all Medicare Supplements sold in Georgia.

Medicare Part D for Dual Eligible People

In Georgia, if you are eligible for both Medicare and Medicaid (aka, dual eligible or Medi-Medi) you will automatically be enrolled in a Georgia Medicare Prescription Drug Plan and the Social Security Extra Help program. Extra Help pays for most of the costs of your prescriptions if you meet the eligibility requirements. 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.

Related Information

• Who Qualifies For Medicare Part D Coverage?
• How Much Does Medicare Part D Cost?
• When Should I Get Medicare Part D Coverage?
• Can Changing My Medicare Part D Plan Lower My Drug Costs?