This open enrollment period is basically choosing to keep having a Medicare-C ( Advantage) or Medicare Part D. Remember that the 2024 policy, may or may not offer the same benefits of the prgms that you currently have for 2023.
CMS recently announced that the AVERAGE PART D would increase their premium abt $3.00/month.
Here is a hyperlink https://www.medicare.gov/plan-compare/#/?year=2024&lang=en to a page that will help you find the most appropriate Medicare-C or Part D prgm for you.
Back in year 2000 we switched to Humana Part D and realized significant savings over the Part D prgm that we had previously. Surprise for 2024 from Humana Part D… forget the $3 increase in premiums – ours is going up 84%. In 2023 premiums & deductible was about $850 for each of us, before we got the FIRST PENNY in coverage. If we elected to renew Humana for 2024, our out of pocket (premium & deductible) would be abt $1250.00 before we got the FIRST PENNY IN COVERAGE.
Two of my medications are no longer covered in 2024 and one 30 days supply they claimed “retail price ” was >$200 and the other med a 90 day supply would be > $1,900. The most recent time I had those filled, after my deductible was met, was <$8.00 for the former and abt $30 for the latter.
Many pharmacies have their own “Rx discount card” and you can use those for those meds no longer covered, because they don’t go toward you meeting your annual deductible.
I wonder if Humana being purchased by United Health has anything to do with the increased prices to pts? AARP endorses United Health!
If you are currently on a Mediare-C prgm, you might want to consider going back to original Medicare, I am reading about a lot of large healthcare corporations that are dropping out of some Medicare-C contracts and reading abt pts experiences with some Medicare-C prgms and so many shenanigans from some of these programs that delay treatment using prior authorizations and some other things that end up costing pts more out of pocket expenses.
Remember these Medicare-C and Medicare-D prgms are provided by FOR PROFIT INSURANCE COMPANIES with some more focused on bottom line profits and appropriate pt care.
Filed under: General Problems
Omg im so so confused:(
Need pm every 2 mths (visits)
Plus my meds. Been on advantage. Good/Bad????
I was always nervous about Advantage plans so kept my son on straight- original Medicare and a part D program since 2009. He can see any dr he chooses and gets extra help from FL. He hasn’t needed a hospital except when he first got Lyme which I cant believe still flairs up enough to not be able to function normally. A terrible disease to get.