Adam, I take quite a few medications. Can you help me find coverage for my medications?
This is absolutely something that Stockett and Associates can help with. In fact, the same tool we use to find Part D coverage can be used by anyone. You do not need an insurance license to search for Part D coverage. So, anyone from yourself or your pharmacists or your kids can review Part D coverage for you. But with that being said it can definitely be helpful for an agent to review your Part D options. The best (and really only tool) to search for Part D coverage is the official Medicare website (www.medicare.gov). To search for coverage the only information you will need is your zip code, list of medicines, and your preferred pharmacy. Once this information has been entered the site will sort your best options by lowest cost. This cost will include everything from the premium, deductible, and co-payments. Keep in mind that sometimes it is better to pay a little more in premium but get a lower deductible and lower co-payments. Other times it is better to pay less in premium but have a higher deductible. All these variables can be confusing and the only way to sort through all of them is using the Medicare website. This is also why having an agent review your findings can be helpful.
It is important to shop for your Part D coverage every year. All of those variables will change every year. So, just because Company A has the best coverage for you this year doesn’t mean that Company A will be best for you next year. It is also important to know that the only time of the year where you can change Part D coverage is during the Annual Enrollment Period (AEP). AEP runs from October 15 through December 7th. As always, Stockett and Associates can assist and facilitate any changes you may need with regards to Part D or any Medicare coverage.