Rx – Online Prescriptions

First, consider:

Who’s most likely to be in the market for big prescription drug savings?

Well, it could be you if you’re currently covered only by Original Medicare (Medicare Part A and Medicare Part B).

If your only health coverage is through Original Medicare, you are the one paying your prescription drug costs. Medicare will pay for doctor- or hospital-administered drugs, but not prescriptions. Even if you’re enrolled in a Medicare supplement plan, prescription drugs aren’t covered. If you expect to have any substantial prescription drug costs, chances are you’ll want to look into prescription drug plans.

You have two options for obtaining Medicare prescription drug coverage.

You can join a Medicare prescription drug (Medicare Part D) plan to add prescription drug coverage to Original Medicare, or to some Medicare Cost Plans, Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans. You can also get prescription drug coverage through most Medicare Advantage Plans, particularly Health Maintenance Organizations (HMOs) and Medicare Preferred Provider Organizations (PPOs).

Anyone enrolled in Medicare Part A or Medicare Part B is eligible for prescription drug coverage, regardless of income and resources, health status, or current prescription drug expenses.

That much is good to know. But the fact is that even with prescription drug coverage, you can’t let your guard down when it comes to reducing prescription drug costs. Why not? The reason is that, while Medicare Part D is sure to offer you some great protection, its coverage varies depending on which of the Part D benefit stages you’re in.

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