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Part D Prescription Drug Coverage

Part D for Low Income Seniors

Medicare Part D Plans for Seniors

You’re ready to select a Part D program for your Medicare coverage. Or perhaps your hunt is underway. If you’re like most people, you’ll conduct an intensive online search, jumping from web page to web page. Hours, weeks, and even months may go by. And all the while, the process gets more confusing, stressful, and frustrating. So much to understand; so many possibilities. Fortunately, there’s a much simpler way to secure a Part D plan that’s right for you. And amazingly, it’s free of charge. Not one penny leaves your pocket.

Call Yvonne: (805) 618-2043

My service, Daily Medicare, is a professionally managed service that does ALL the legwork for you. Backed by years of experience and a vast network of resources, I navigate the complex Medicare terrain to match individuals with the most suitable Part D plan. And I do it at no cost to you.

Payments for Prescription Drugs

Part D for Low Income Seniors Keep Your Prescriptions

One of the biggest issues facing Medicare recipients is cost of prescription drugs. Under Part D, these payments can vary, depending on the plan chosen. The three primary costs are:

  • Monthly Premium
  • Deductible
  • Copayments

Each of these possibilities has its own variations, adding to the difficulty of the selection process. Which deductible is best for you? Should you go with generic or brand? Daily Medicare skillfully navigates often-mysterious territory, arriving at a complete and simplified picture of the plan best suited for your situation.

Pharmacies

Each prescription drug plan has its own list of pharmacies eligible for coverage. If you have a pharmacy preference, Daily Medicare will help ensure it’s included in your plan.

Formularies

A formulary is a list of prescription medications covered by each plan. Drugs within each formulary are categorized into different tiers (Tier 1, Tier 2, Tier 3), depending on cost and type. Each tier has its own requirements for inclusion. But if that isn’t enough to deal with, every prescription plan has its own tier requirements. Therefore, what qualifies as a Tier 1 medication in one plan, may fall into the Tier 3 category in another. It’s enough to make your head spin.

But there’s no reason to worry. Daily Medicare cuts through the complexity to determine your best Part D plan at the most favorable cost. The ball is entirely in our court. And speaking of courts, while we’re doing the legwork, you could be getting in your own legwork on a preferred tennis court.

Penalties

That’s right. In certain cases, specific penalties are associated with Part D coverage. If enrollees fail to sign up for the prescription program when initially eligible for Medicare Part A and/or Part B, a late enrollment penalty could be assessed. However, you may not be subject to penalties if you have ‘creditable’ prescription coverage when you opt out of Part D. How will you know which applies to you?

Daily Medicare can determine where you stand in situations such as these, eliminating the hassle and worry of finding the answers on your own. More importantly, my service helps you avoid these assessments altogether by carefully matching you with the right Part D options early on.

Medicare Part D Plan Help for Those Who Qualify for "Extra Help"

Are you an individual with a monthly income $1507? Or a married couple with a monthly income below $2030? The federal government offers you a program called EXTRA HELP to help defray the costs of your Part D policy. Designed to ease the financial burden of those who qualify, the program reduces both the monthly premium of Part D policy, as well as medication co/pays – often to less than $2.00 per medication.

Do You Qualify for Extra Help for Part D?

The program uses two criteria to determine eligibility:

  • Monthly Income
  • Financial Resources (savings account, brokerage accounts, etc.)

Simple, right? Until you try to sign up or determine if you qualify. In many cases, would-be recipients find themselves caught in a bureaucratic snarl, trying to navigate a complex system of data and regulations. As a result, signing up or determining eligibility becomes a virtual mission impossible.

As with all other areas of Medicare, I’ll leverage my experience and resources to help qualifying individuals enroll in the Extra Help program for Part D. To date, I’ve saved numerous enrollees hours of time, as well as hundreds of dollars a month. All at no charge. Consider it extra help for Extra Help.

Whether or not you seek Extra Help with your prescription policy, the complexities of Part D present numerous challenges to Medicare recipients. The good news is, you don’t have to leap hurdles and jump through hoops to secure the prescription coverage you need. My service, Daily Medicare, handles the process every step of the way -- from initial application to enrollment. I’ll match you with the best possible Part D program at the lowest possible cost. At absolutely no cost. You won’t pay a thing. But you could save a small fortune.

Why burden yourself with the daunting process of securing Part D coverage? Gain peace of mind, more time to do the things you want, and more money in your pocket by utilizing my services. I’ve already saved hundreds of people substantial sums of time and money. And I’ll do the same for you. To learn more, simply reach out to me by email or phone. I’ll be happy to discuss the many ways you’ll benefit from my this truly unique service.

Testimonials

From the confusion of Medicare and Medigap choices there arises a champion: Yvonne DeBrazil. Yvonne is caring and understanding about one’s health and financial resources. She monitors your policy, the claims, the payments or non-payments and is totally available to assist with the health bureaucracies. I am proud to be her client and recommend Yvonne to all my 65+ friends.
Janice Chelini

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