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CHOOSING A MEDICARE PRESCRIPTION DRUG PLAN

There are different types of Medicare plans that offer varying coverage for health care costs. Some of these plans provide limited coverage for prescription drugs, but for a more extensive coverage - Medicare Part D is advised.

DRUG COVERAGE IN DIFFERENT MEDICARE PLANS

ORIGINAL MEDICARE - MEDICARE PARTS A AND B

MEDICARE PART A

Part A covers Hospital Insurance for inpatient care in a hospital, hospice, nursing facility, and nursing home care (that is not custodial care).

MEDICARE PART B

Part B covers outpatient care, including emergency overnight stays in a hospital. It covers:

  • Preventive Services for prevention and early detection of illnesses.
  • Medical services or supplies required to treat or diagnose your condition.

Clinical research, durable medical equipment, mental health, and ambulance services are all covered under this.

Medicare Part B offers limited coverage for prescription drugs.

Original Medicare does not cover custodial care, which is non-skilled care and assistance in daily routine activities like bathing, dressing, moving around, and using the bathroom. It also does not cover dental care, hearing, vision, or cosmetic services. Additional plans are required for these purposes.

MEDICARE ADVANTAGE - MEDICARE PART C

You can apply for Medicare Advantage if you have Original Medicare. It offers some prescription drug coverage. You can get some benefits of Medicare prescription plans in New Jersey through telephone enrollment for Medicare Advantage.

For additional coverage, you will have to go for online enrollment in Medicare prescription drug plans (Part D), New Jersey.

Enrolling in a separate Prescription Drug Plan will make you lose your Medicare Advantage and switch back to Original Medicare.

MEDICARE PART D - PRESCRIPTION DRUG PLANS

Both Medicare Part C and Part D offer some drug coverage. They have their own lists of brand-name and generic drugs that are covered. Each Medicare plan will have at least two drugs per drug category to ensure that all people get some drug coverage for their medical conditions.

They include generic drugs that have similar uses, performance results, administration routes, dosage, strength, and safety as their brand-name counterparts. They make use of the same ingredients and are similar in quality.

Many drug plans place prescription drugs in different tiers. Generally, a lower-tier means lower costs. You can file for exceptions in your drug coverage by paying lower copayment for a drug in a higher tier in place of a similar drug in a lower tier.

Sign up for Medicare Prescription Plans in New Jersey through telephone enrollment. You may also go for online enrollment in Medicare Prescription Drug Plans, New Jersey.

PRESCRIPTION DRUG COVERAGE WITH MEDIGAP

Some Medigap Plans offer Drug coverage to an extent. If you wish for increased drug coverage, you can enroll for a separate Medicare Prescription Drug Plan (Part D) after informing your Medigap provider. The drug coverage from your Medigap plan will then be removed and the premium adjusted.

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