Learning More About Medicare’s Drug Plan for health care

Medicare’s long-awaited prescription drug plan is scheduled to be in full implementation in January 1, 2006. Many seniors have started receiving mailings about the drug program and there are some conflicting messages out there.
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Formally known as Medicare Part D, several advocates in the system have dropped the “Part D” connotation in favor of a new name: Medicare RX. Many Medicare recipients get confused when they hear Part D, in part because they don’t understand what Parts A, B, or C cover. By referring to it as Medicare RX, advocates are hoping that Medicare recipients can easily identify the new benefit.
What is Medicare RX?Medicare RX is optional program that will save individuals who are enrolled in Medicare money on their prescription drugs. With some exceptions, there is no obligation to join the program. There is a premium for the coverage as well. Individuals who are currently enrolled in Medicare can sign up for RX coverage starting November 15th. Plan coverage needs to be selected by May 15th. It is possible to join after May 15th; however the monthly premiums will go up. Individuals who enroll in a plan before December 31, 2005 will begin the program on January 1, 2006. Individuals who enroll in the plan after December 31, 2005 will start on the first of the month after their enrollment date. For example, someone who signs up for coverage on April 12th will start on May 1st.
In addition to premiums, there are co-pays as well. The amount of the co-pay varies depending on the drug coverage plan that you choose. Private contractors will work with Medicare to provide plans to Medicare beneficiaries. Depending on where you live, there may be more than one plan option. You will need to weigh your co-pay costs and your own health condition to decide which plan is appropriate.
What happens to my Medigap coverage?You can keep your Medigap coverage as long as you don’t enroll in Medicare RX. Check with your Medigap provider to find out if your plan covers as much as or the same benefits as Medicare RX in order to make a decision. Your Medigap provider should be mailing information to you this fall concerning your coverage limits. You can use this to compare to Medicare’s prescription plan.Home health care products , Baby boomers products , Menopause products , Neck pillows , Orthopedics , Mobility aids , Alzheimer’s aids , Arthritis aids , First aid kits , Survival kits , Products that make life easier , Independant Living Products , Amplified Phones , Big Button Remotes , Medical devices
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