Prescription Drug Plans

파트너와 함께 Brooks Insurance Group
귀하에게 필요한 처방약 보장을 찾으세요.

Medicare Part D is a federal program designed to help cover the cost of prescription drugs for seniors. It's an optional plan designed specifically for prescription medications offered to individuals who are eligible for Medicare, and it works with the following Medicare plans:

오리지널 메디케어 파트 A(병원)

오리지널 메디케어 파트 B(의료)

Medicare Part C (Medicare Advantage)

What to Consider When Choosing a Part D Prescription Drug Plan

Selecting the right Part D plan involves several key considerations:

비용: 보험료, 공제액, 공동보험료, 보장 범위 차이 등 각 플랜과 관련된 비용을 평가합니다.

의약품 보장: 각 플랜의 보장 의약품 목록(약전 목록)을 검토하세요. 약전 목록은 단계별로 구성되어 있으며, 그에 따라 납부해야 할 금액이 결정됩니다. 현재 복용 중인 의약품이 보장되는지 확인하고 사전 승인과 같은 제한 사항이 있는지 확인하세요.

약국 네트워크: 원하시는 약국이 플랜 네트워크에 포함되어 있는지 확인하세요. 또한, 일부 플랜은 특정 약국을 이용하시면 더 많은 할인 혜택을 제공합니다.

Understanding Creditable Coverage & Penalties for Medicare Part D Plans

Some employer plans offer coverage that’s as good as or better than Medicare Part D. This is called “creditable coverage.” If you have creditable coverage and maintain it, you won’t face a late enrollment penalty if you later decide to enroll in Part D. However, if your employer coverage ends or you retire, you’ll need to enroll in a Part D plan to avoid any gaps in coverage.

You may face a late enrollment penalty if you do not enroll in a Part D plan when first eligible and do not have other creditable coverage. This penalty is calculated based on how long you went without coverage and is added to your premium once you enroll in coverage. It’s important to enroll when first eligible to avoid this additional cost.

When & How to Enroll in Medicare Supplement & Medigap Plans

연간 등록 기간(AEP): 매년 10월 15일부터 12월 7일까지 메디케어 처방약 플랜을 변경할 수 있습니다. 이 기간은 현재 약물 필요에 따라 보장 범위를 검토하고 조정하는 데 매우 중요합니다.

Initial Enrollment Period (IEP): This is the seven-month window around your 65th birthday when you first become eligible for Medicare. It starts three months before your 65th birthday, includes your birthday month, and extends three months after.

Open Enrollment Period for Medicare Advantage Plans (OEP): If you're enrolled in a Medicare Advantage plan, you can switch to a different plan or return to Original Medicare, with the opportunity to join a standalone Part D plan from January 1st to March 31st each year.

Special Enrollment Periods (SEPs): Certain life events, such as moving to a new state or losing creditable drug coverage, may qualify you for a Special Enrollment Period.

Speak with a broker today to discuss prescription drug options ➜