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UHC United Health Care Part D Rx

 

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Prescription Drug 2022 #RxGuide
PDF # 11109

part d video explanation

 

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15 comments on “UHC United Health Care – Part D Rx

  1. my MedicareRx Plans are with AARP now,not with Humana that I had last year.

    Today I went to pick up Livalo tab (cholesterol med.) they want $320 co-pay.Humana charged only $120.

    What do I do?

  2. I’m going to get the shingles shot but never signed up for part D.

    What do I have to do to implement part D and what would be the ad on cost with penalty. (I’m 68).

    Would you know what the effective date would be so I could receive the shot?

    • Here’s our webpage on Part D Rx Late Penalties

      See Medicare Publication 11109 Your Guide to Part D Rx for enrollment instructions

      IMHO and what I learned when I got my Bachelor’s Degree in Insurance at San Diego State was that we buy Insurance for the BIG unexpected things that we can’t budget for. The Insurance Companies are here to make $$$ and are not charities.

      the shingles vaccine, Zostavax, as an expensive Tier 3 or 4 drug, $217. Only one pharmaceutical company—Merck—makes the shingles shot, and there’s currently no generic version. consumer reports.org/health/why-the-shingles-vaccine-cost-so-much

      Open Enrollment for Part D Rx starts 10.15 and ends 12.7. The effective date would be 1.1. We can send you an application and brochures on 10.1, but can’t accept it back until the 15th.

      Here’s our webpage on the high income surcharge

  3. 1. How do I pick a Part D plan ?

    2. My Medicare started on June 1.

    So that means I have to pick a Part D to start by August 1, right ? I read that one must not go more than 63 days without a drug plan or else you pay a penalty. Is that right ?

    3. All the Part D plans seem to have bad ratings What plan do you think is best?

    4. I am leaning towards the United Health Care plans because they are not too expensive and because they are approved by AARP.

    Plans:
    AARP MedicareRx Walgreens (PDP) (S5921-413-0) $ 26.80 /month
    AARP MedicareRx Saver Plus (PDP) (S5921-376-0) ) $ 44.20 /month

    5. But what do you think ?

    6. Other plans better ?

    7. I take NO prescriptions now.

    I would really appreciate your advice and comments on all or better plans.

    • 1. You could just go with Blue Shield as that’s the company that you had when under 65.

      use the tool at Medicare.gov

      Check out the plans we have to offer on this website, AARP, Blue Cross & Blue Shield.

      Don’t forget, you can change plans every year.

      2. It scars us when people wait till the last minute to do things. It’s only asking for trouble, lawsuits, complaints, unhappy campers, extortion, etc.

      We are going to have to ask that you sign the letter of understanding on this page so that I don’t have to worry about losing my license or privelge to sell MAPD plans. MAPD is so highly regulated that it seems that FBI and CMS secret shoppers are lurking everywhere waiting to bust agents.

      Medicare Publication 11109 Guide to Drug Coverage states:

      During your 7-month Initial Enrollment Period, when you first become eligible for Medicare. You can join a Medicare drug plan during the 7-month period that begins 3 months before you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65. If you join during 1 of the 3 months before you turn 65, your coverage will begin the first day of the month you turn 65. If you join during the month you turn 65 or 1 of the 3 months after you turn 65, your coverage will begin the first day of the month after you ask to join a plan.

      As far as the penalty goes, check out page on that. We are not allowed to give legal advice. We can only show you the law and rules.

      See page 20 chapter 2 of publication 11109 about late enrollment penalties.

      If you started Medicare in June, then you have 3 months, July, August and September to join, without penalty. DO NOT use our statements for anything!!! Go to the source. In fact, I would rather you buy Part D from Medicare.Gov, AARP direct or another agent. You are taking me to close to the edge and subject me to possible criminal charges…. All this for a measly $50 commission and $25 renewal. It’s NOT worth it!

      3. Please when stating fact, provide the URL. I’m not allowed to tell you a plan is the best. I can only show you facts and CMS Medicare Approved information. I don’t even know how you are defining best.

      As a taxpayer, I resent what is going on with Part D. Sure one things the premiums are very high, but the Government Funding is SURPRIZING!!!

      Check this out from Kaiser Family Foundation

      According to Medicare’s actuaries, in 2018, Part D plans are projected to receive average annual direct subsidy payments of $353 per enrollee overall and $2,353 for enrollees receiving the LIS; employers are expected to receive, on average, $623 for retirees in employer-subsidy plans.7 Part D plans’ potential total losses or gains are limited by risk-sharing arrangements with the federal government (“risk corridors”). Plans also receive additional risk-adjusted payments based on the health status of their enrollees and reinsurance payments for very high-cost enrollees.

      I represent Blue Cross, Blue Shield and AARP. Might that give you a clue?

      4. AARP gets paid from UHC so I personally don’t think much of that approval.

      Based on # 7 you might go with the Walgreens Plan for $26.80 per month. Do you have all the materials, disclosures and enrollment forms for that. I’d link to them, but AARP would terminate my contract for that.

      On the other hand, you don’t know what Rx you might get prescribed tomorrow. I don’t have a crystal ball.

      If you want to set a phone or Skype meeting to review the above, click here for available times. Please note, that we can only discuss what is on the agenda and another MAPD rule is that you must sign a form – SOC Scope of Appointment giving us permission to talk to you.

  4. If a person has secure horizons (through united health care/aarp) but no drug coverage does the pharmacy (in network w/UH) still give a provider write off on prescriptions?

    • I doubt it, but I can’t find a citation. I do recall years ago when Blue Cross had a hospital only plan, being told that customers would not get a discount on out of hospital doctor visits.

      This link but it got broken, explains about provider discounts when you have coverage or it’s under the deductible, that the pharmacy gives to get the additional business of the Insurance Companies customers.

      Detailed study by New Hampshire Department of Insurance

      Study from ncbi nlm nih gov

      How would the pharmacy know you are with UHC/AARP?

      When you purchase health insurance, you obtain the right to pay for services covered by your insurance policy at the discounted rate negotiated by your insurance carrier. nhhealthcost nh gov

      Discount drug cards contain information on the specific pharmacy benefit manager PBM allowing the pharmacist to look up the negotiated price, the payer and the account of the card provider. Once entered into the computer with their customer records, this information can be stored in the pharmacy computer system for years allowing the pharmacist on duty to always apply the correct discount. The process works similar to the way it works when you have health coverage and your pharmacist enters information on your drug plan into the pharmacy computer system.

      • Thank you so much.

        I was a dental office manager so dealt w/insurance daily (ugh)!!!! I’ll bet I can just ask at a pharmacy.

        Again thanks for the help!!!

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