How do I shop and compare Part D Rx Prescription plans?

Rx Guide 11109  Ultra Expensive Rx Enbrel   Humira  Ultra Expensive Rx Latuda 

Medicare.Gov Plan Finder for 2022

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Here's the webpages for the Part D Rx plans we are agents for.

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Medicare Part D Shopping Video

How to shop Part D rx plans

Learn more on our webpage about the Shopping Tool along with Q & A or Ask your own question at the bottom of the Q & A section

 

Medicare Plan Finder Enhancements 2021

ritterim.com/updates

Top 10 Q & A
faqs.

Video’s

Medicare Plan Finder Overview
https://youtu.be/z71NR-USZ2E

Pointers – Plan Results
https://youtu.be/0RPbriAS0UU

Adding your Prescriptions – Rx List
https://youtu.be/g4yZyoEFM_k

BE CAREFUL OF THE SNAFU'S!!!

The “Total Yearly Cost of Care” does not provide personalized or transparent information. For example, when a consumer inputs or changes personal data, such as drug information, his or her total estimated costs do not change. This is not mathematically possible based on the plan benefits. Additionally, the tool does not share what is included in the total cost. As a result consumers will likely see the total cost and assume they are receiving a personalized and tailored estimate which may not be accurate.

The estimated total yearly cost of care is flawed. On a plan that has reduced benefits year over year, the expectation would be that the “estimated total yearly costs” would increase. However the tool is inaccurately estimating the consumer’s costs will decrease. It doesn’t make mathematical sense. For consumers on a fixed income and cost conscious, this could be detrimental to their situation.

Most supplemental benefits are not included in the total yearly cost of care. Over the past several years supplemental benefits have expanded and provided members with options that not only treat, but prevent illness and increase quality of life. We know the high value of benefits such as vision, dental and hearing to our consumers, and they are a key way we are partners in care with our members. Some of the benefits that are not included are:

Transportation lists copay but not number of rides.

Eyeglasses list copay but does not share if benefit covers frames, lenses or contacts.

Wellness Programs include a long list of possible items including fitness, nurse hotline, Personal Emergency Response and telehealth, that can’t be lumped into a single “covered” or “not covered” benefit.  Excerpt from UHC Agent Memo  * Forbes GAO 7.2019 Report

Here’s the results of a hypothetical person with
Multiple Sclerosis – High Cost Specialty Rx

See below and video above for more details on how to work the tools.  If you prefer, you can email us [email protected] your medication list and we can do the comparisons for you.  We do need you to set up a Social Security Account and send us the password, so that your Rx list gets saved.

rx list of drugs and costs

Scroll down  for definitions and instructions to use the Rx Plan Finder

Research on plans to help those who make too much $$$ for LIS Low Income Subsidy – Extra Help

FAQ  Below on other High Cost Rx  Enbrel – Humira – Ocrevus – Remicade – infliximab 

 

Medicare.Gov Glossary
for Shopping Tool 

Coinsurance

An amount you may be required to pay as your share of the cost for health care services or prescriptions after you pay any deductibles. Coinsurance is usually a percentage (for example, 20%).

Deductible

The amount you must pay for health care services or prescriptions each year, before your Medicare drug plan, your Medicare Health Plan, or your other insurance begins to pay. These amounts can change every year.

Dosage

The prescribed strength or amount of therapeutic ingredient(s) administered at prescribed intervals.

Drug Coverage

This tells you that a plan offers coverage of prescription drugs.

Drug Restrictions

The plan may have certain coverage restrictions (including quantity limits, prior authorization, and step therapy) on a prescription drug.

Example of Restrictions

Example of Restrictions

Estimated Annual Drug Costs

This is an estimate of the average amount you might expect to pay each year for your prescription drug coverage. This estimate includes the following costs, as applicable:

  • Monthly premiums
  • Annual deductible
  • Drug copayments/coinsurance
  • Drug costs not covered by prescription drug insurance

If you entered your drugs into the Medicare Plan Finder, then this estimate includes the cost of those drugs.

If you selected “I don’t take any drugs,” then this amount includes only the cost of the monthly premiums that you would pay for the plan and it does not include any drug costs.

If you selected “I don’t want to add drugs now,” then this estimate includes the average drug costs for people with Medicare and may differ depending on your age and health status.

Your expenses may be lower if you have limited income and resources.

Formulary

A list of prescription drugs covered by a prescription drug plan offering prescription drug benefits.

Monthly Premium

The periodic payment to Medicare, an insurance company, or a health care plan for health or prescription drug coverage. In a few cases, a note will say “Under Review” instead of a premium amount. This means Medicare and the company are still discussing the amount.

MTM Program

Medication Therapy Management (MTM) Programs

offer free services to eligible members of Medicare drug plans. These services help make sure that medications are working to improve their members’ health. Members can talk with a pharmacist or other health professional and find out how to get the most benefit from their medications. Members can ask questions about costs, drug reactions, or other problems. Each member gets their own action plan and medication list after the discussion. These can be shared with their doctors or other health care providers. Members who take different medications for more than one health condition may contact their drug plan to see if they’re eligible.  Humana * Medicare.gov *

Star Ratings – Medicare Advantage

Medicare Glossary

Medicare Glossary

How to create a
My Social Security & Medicare.Gov Account on SSA.gov

Create ONLINE Account Publication # 10378

Social Security ONLINE Account

VIDEO on advantages and saving time by creating a Social Security Account

Our webpage on how to create a Social Security and My Medicare Account 

You need it to sign up for Medicare too.

Create Social Security Account 

create Social Security Account

 

We suggest that you create an account with Social Security  and   Medicare  then you can log in and replace your card, in addition to getting tons of other information, like the explanation of benefits for any claims you have.  The new card takes about 30 days to get.  You can also change your address, etc.

With your free, personal my Social Security account, you can receive personalized estimates of future benefits based on your real earnings, see your latest Statement, and review your earnings history. It even makes it easy to request a replacement Social Security Card or check the status of an application, from anywhere!

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23 comments on “Shop & Compare Tools Part D Rx

  1. https://www.medicare.gov/sites/default/files/2020-07/11333-Outpatient-Self-Administered-Drugs.pdf

    The 2022 premium increase Medicare announced Friday for Part B is one of the largest increases ever. According to the Medicare trustees, half the increase is directly due to the projected cost of Aduhelm, the drug approved by the FDA in June.

    https://edition.pagesuite.com/popovers/dynamic_article_popover.aspx?guid=7437dd17-6ab3-4d82-9d09-fe2ead3e9446&v=sdk

  2. Do you represent any Part D Rx plans that are accepted across the US?

    I’m using the plan finder on the Medicare site above and don’t see any Anthem or Blue Shield plans that are “accepted across the US”

    • I’m not aware of ANY plans from ANY Part D Rx carrier that is Nationwide. This question comes up in our annual mandatory training from AHIP and from each Insurance Company. They use secret meaningless slides that if we show anyone we get our contracts terminated on might be put on the Federal List of people that can’t do biz with the Federal Government, as if we were members of ISIS!

      So, give me a minute to find the answer in the EOC Evidence of Coverage or the Guide to Rx Coverage.

      Where can I fill my prescriptions?

      Each company that offers a Medicare drug plan has a list of pharmacies you can use. If you want to continue filling prescriptions at the same pharmacy you use now, check to see if the pharmacy is on the plan’s list.

      Medicare requires plans to have network pharmacies for you to choose from.

      OK, let’s try the Blue Cross Evidence of Coverage EOC as an example.

      Section 2. Fill your prescription at a network pharmacy or through the plan’s mail-order service
      Section 2.1 To have your prescription covered, use a network pharmacy.
      Section 2.2 Finding network pharmacies
      Section 2.3 Using the plan’s mail-order services.
      Section 2.4 How can you get a long-term supply of drugs?
      Section 2.5 When can you use a pharmacy that is not in the plan’s network?.

      So, download the EOC and the answer is on Page 38

  3. UHC Part D Rx made xxx change from Premarin to Estradiol patches this year. It was good since the copay for the patches is only $10.

    Now it appears that the patches are not in the formulary for 2021.

    Will she have to get a different plan or will we need a doctor to request a dispensation?

    • We are going to need to know which Rx you and your MD prefer.

      I used the Medicare.Gov finder above and the cost if you take both Rx would be $3,650 for Rx & the premium. WOW!!

      Here’s the detailed breakout

      Summary of the 2021 UHC Plans

      First 10 of the lowest 32 plans offered in San Diego (All of CA?) We represent Blue Shield, if you want any of the others, you can get them from Medicare.gov but it would be better IMHO to do it on the Insurance Company website. If there is ever a problem… I think you would have more “juice” there. Blue Shield has a cost of $1,862.

      Here’s the formulary for the 2021 Saver Plus Plan Going by the breakout above, you are right, Estradiol is not on it and Premarin is tier 3.

      Here’s the evidence of coverage for Saver Plus for 2021

      Tier 3 – Preferred Brand – Includes many common brand name drugs, called preferred brands and some higher-cost generic drugs. Page 3 – 8

      Page 3 – 14

      Section 5.3 What can you do if your drug is in a cost-sharing tier you think is too high?

      If your drug is in a cost-sharing tier you think is too high, here are things you can do:

      You can change to another drug

      If your drug is in a cost-sharing tier you think is too high, start by talking with your provider. Perhaps
      there is a different drug in a lower cost-sharing tier that might work just as well for you. You can call Customer Service to ask for a list of covered drugs that treat the same medical condition. This list can help your provider to find a covered drug that might work for you. (Phone numbers for Customer Service are printed on the back cover of this booklet.)

      You can ask for an exception

      You and your provider can ask the plan to make an exception in the cost-sharing tier for the drug
      so that you pay less for it. If your provider says that you have medical reasons that justify asking us
      for an exception, your provider can help you request an exception to the rule
      .

      If you and your provider want to ask for an exception, Chapter 7, Section 5.4 tells what to do. It explains the procedures and deadlines that have been set by Medicare to make sure your request is handled promptly and fairly.

      Drugs in our Specialty Tier are not eligible for this type of exception. We do not lower the cost sharing amount for drugs in this tier.

      Since we quoted BOTH Rx here, the comparison is really meaningless. What Rx do you and your MD really want?

      • I would prefer Estradiol patch .025 twice a week, largely because of the price differential in 2020 plan. But also my PCP prefers it.

        • With CIGNA Secure Rx that would make your yearly drug & premium cost $733. We don’t represent CIGNA.

          We do represent Anthem Blue Cross Medi Blue Rx Enhanced and that yearly cost would be $757.70

          Based on Medicare Publication Guide to Rx Coverage talking about picking coverage that meets your needs, getting help with choices Along with Medicare making the above shopping tool, video’s etc and now with the Rx prepopulating when you use your Medicare and/or Social Security account to log in, I’d have to say, just change plans.

          Please note too, that Medicare is paying 75% of the actual cost of the Part D Rx premium for those singles making less than $85K

          Here’s the link to our Blue Cross Rx page. Just click on the Anthem Logo, it’s our affliate link, so we will be your broker at no additional charge, and enroll. If you need assistance, we can set a Zoom meeting with screen sharing.

          Please note, applications for AEP Annual Election Period are only accepted from October 15th to December 7th.

    • I’m new to Medicare and take several Rx for pain, asthma and a few other conditions.

      I heard that Part D makes one wait 6 months to a year to get coverage for the medications to cover a pre-existing condition.

      So, why should I bother getting coverage?

       

      There is no waiting period or pre-existing condition clause for Medicare Parts A Hospital, B Doctor Visits, C Medicare Advantage, or D Rx.

       

      Medicare Supplements do have a 6 month look back period for Pre X, which is CLEARLY stated in the first paragraph on Page 15 of Publication 02110 Choosing a MediGap Policy.   California is more liberal though!
       
      However, Medicare Parts A & B will still pay. BUT look at paragraph 5, if you buy during a guaranteed issue period, there is no pre-x!

       

      Since you just got Part B you may have a guaranteed issue period for Part D, see publication # 11219 Medicare C & D enrollment periods. We need to get a copy of your Medicare ID card to verify when, why and how you got Part A & B. More on Part A & B enrollment periods.

      I’ve looked at looked and don’t find anything that says exactly that there is no pre – x other than every seminar and training that I’ve ever seen. However, there is NOT a single brochure, policy, evidence of coverage, etc. that says that there is. A pre-existing condition clause would have to be listed in the exclusions and limitations to be enforceable!

       

      Check these links and publications:

       

      CA Health Care Advocates on Part D

      Our introductory page on Part D Rx

      Medicare’s Guide to Prescription Drug Coverage Publication # 11109

      Blue Cross Evidence of Coverage – 124 pages, if this alleged exclusion isn’t here, where could it possibly be?

      While every company has limitations on formulary – what Rx they cover and co-pays for different tiers of Rx, that is not a Pre X clause.

      Here’s a reply from CA Health Care Advocates

      The prohibition against using a pre-existing condition exclusion or waiting period for Medicare Parts A, B, and D is most likely in the Social Security Act that established the Medicare program. Whatever that is would have been applied to Part D when it was enacted if there wasn’t a separate requirement or prohibition.

      But you are right that it isn’t specifically mentioned as a standard feature. Exclusions or limitations in Medicare Advantage programs probably build on that same concept so it probably isn’t specifically mentioned.

      I’ve never looked for it because we know companies can’t impose it as a matter of law on A, B or D.

      I don’t find a pre-x clause in the law Section 1814 Conditions & Limitations

    • Check Enbrel.com for their page on financial assistance. I just ran a comparison on Medicare dot gov, however Enbrel.com probably answers your question better.

      Do you have Medicare?

      77% of prescriptions cost $50 or less per month 1, and the remaining 23% of prescriptions cost an average of $415 per month. 2,3,4,5

      1 A one-month supply of ENBREL is typically 4 weekly 50 mg doses.
      2 These data are based on paid claims data from national data providers for the period 1/1/2018 – 12/31/2018.
      3 Your out-of-pocket costs can vary throughout the year depending on which phase of the Part D benefit you are currently in.
      Medicare Part D drug coverage is divided into four phases, each with a different cost sharing amount. Those phases are

      1) Deductible,
      2) Initial coverage,
      3) Coverage gap,
      4) Catastrophic.

      4 These amounts may vary if you are eligible for the Extra Help program.
      5 Your actual cost may vary depending on your dose and insurance coverage. Talk to your insurance provider for specific information about your prescription coverage. https://www.enbrel.com/support/financial-support

      See also rules about:

      Part D Rx plans having to cover 2 drugs in each therapeutic category

      Getting a formulary exception

      • Anonymous says:

        What about very expensive specialty drugs, like Humira?

        What about discount coupons?

        Reply
        • Specialty tier drugs—defined by Medicare as drugs that cost more than $670 per month in 2019—are a particular concern for Part D enrollees in this context. Part D plans are allowed to charge between 25 percent and 33 percent coinsurance for specialty tier drugs before enrollees reach the coverage gap, where they pay 25 percent for all brands, followed by 5 percent coinsurance when total out-of-pocket spending exceeds an annual threshold ($5,100 in 2019). While specialty tier drugs are taken by a relatively small share of enrollees, spending on these drugs has increased over time and now accounts for over 20 percent of total Part D spending, up from about 6 to 7 percent before 2010.

          Medicare Part D enrollees not receiving low-income subsidies can expect to pay thousands of dollars out of pocket for a single specialty tier drug in 2019 (Figure 1). Median annual out-of-pocket costs in 2019 for 28 of the 30 studied specialty tier drugs range from $2,622 for Zepatier (for hepatitis C) to $16,551 for Idhifa (for leukemia), based on a full year of use; two of the 30 drugs are not covered by any plan in our analysis in 2019.

          With the now-complete closure of the Part D coverage gap for brand-name drugs, enrollees can expect to face lower annual out-of-pocket costs for selected specialty tier drugs below the catastrophic threshold in 2019 compared to 2016, but higher costs above—driven by an increase in underlying total costs between 2016 and 2019. For example, for Humira, for rheumatoid arthritis, median out-of-pocket costs below the catastrophic threshold decreased by $99 between 2016 and 2019 (from $3,155 to $3,057), while costs above the catastrophic threshold increased by $705 over these years (from $1,709 to $2,414)—and in total, expected annual out-of-pocket costs for Humira are $606 (12%) higher in 2019 than in 2016. Kff.org high drug cost chart

          Reply
          • Anonymous says:

            Can I request an appeal, formulary exception or anything to get a lower co-pay?

            Reply
          • Anonymous says:

            Can I get this covered under Part B Doctor Visits of Medicare?

            Reply
            • Part B covers certain drugs, like injections you get in a doctor’s office, certain oral cancer drugs, and drugs used with some types of durable medical equipment—like a nebulizer or external infusion pump.

              Under very limited circumstances, Part B covers certain drugs you get in a hospital outpatient setting. You pay 20% of the Medicare-approved amount for these covered drugs. Part B also covers the flu and pneumococcal shots. Generally, Medicare drug plans PDP cover other vaccines, like the shingles vaccine, needed to prevent illness.

              Note: Medicare Part A (Hospital Insurance) or Part B generally doesn’t cover self-administered drugs you get in an outpatient setting like in an emergency room, observation unit, surgery center, or pain clinic. Publication 11109 Page 12

              https://www.medicare.gov/coverage/prescription-drugs-outpatient

              See Your Medicare Benefits – Prescription Drugs – Outpatient

              Reply
              • Anonymous says:

                What about an infusion at my doctors office of remicade (Infliximab) for Crohn’s or IBS Irritable Bowel Syndrome?

                Reply
                • Medicare covers most physician-administered drugs like REMICADE® under Medicare Part B. There are comprehensive published Part B coverage policies specific to REMICADE®. Copies of coverage policies (for example, local coverage determinations, or LCDs) are available on your regional Medicare Administrative Contractor’s, or MAC’s website.

                  Medicare typically places few restrictions on REMICADE® coverage. However, some Medicare policies may limit coverage of REMICADE® to certain diagnoses, such as:

                  Crohn’s disease
                  Ulcerative colitis

                  Rheumatoid arthritis
                  Ankylosing spondylitis
                  Psoriatic arthritis
                  Plaque psoriasis
                  You can check your regional MAC website for coverage policies for REMICADE® https://med.noridianmedicare.com/web/jea/topics/drugs-biologicals-injections or call Janssen CarePath at 877-CarePath (877-227-3728) for more assistance. https://www.janssencarepath.com/hcp/remicade/insurance-coverage/medicare

                  Reply
                  • Anonymous says:

                    What about https://www.ocrevus.com for MS Multiple sclerosis?

                    List price is $65k/year!

                    Reply
                    • Steve Shorr says:

                      Here’s the Q & A from the mfg website

                      Medicare – I have Medicare coverage.

                      Your cost for a year of OCREVUS may range between $0 and $13,000. About half of patients pay $0.

                      Your expenses may vary depending on your Medicare plan benefits, healthcare provider and location of OCREVUS administration. If you have Medicare Part B and supplemental insurance, most or all of your OCREVUS costs will be covered by the plan.

                      If you have Medicare Advantage, plan designs and out-of-pocket expenses may vary depending on your other healthcare expenses and whether you have hit your out-of-pocket maximum. Please check with your plan provider for more details.
                      If you are unable to afford OCREVUS, you may be eligible for additional assistance through the Genentech Patient Foundation. Learn more here. https://www.genentech-access.com/patient/brands/ocrevus/how-we-help-you.html#gatcf

                      https://www.ocrevus.com/patient/cost.html

                      Reply
                • So Medicare Part B would have a $185 deductible, then Medicare pays 80%. Plan G would pay the other 20%.

                  Use menu above to find Plan G Evidence of Coverage or Summary of Benefits

                  Plan G

                  Reply
                • How is Part D coverage different from Part B coverage for certain drugs?

                  It doesn’t cover most drugs you get at the pharmacy. You’ll need to join a prescription drug plan to get Medicare coverage for drugs for most chronic conditions, like high blood pressure.

                  Part B covers certain drugs, like injections you get in a doctor’s office, certain oral cancer drugs, and drugs used with some types of durable medical equipment—like a nebulizer or external infusion pump. Under very limited circumstances, Part B covers certain drugs you get in a hospital outpatient setting. You pay 20% of the Medicare-approved amount for these covered drugs. Part B also covers the flu and pneumococcal shots. Generally, Medicare drug plans cover other vaccines, like the shingles vaccine, needed to prevent illness.

                  Note:

                  Medicare Part A (Hospital Insurance) or Part B generally doesn’t cover self-administered drugs you get in an outpatient setting like in an emergency room, observation unit, surgery center, or pain clinic. Your Medicare drug plan may cover these drugs under certain circumstances. You’ll likely need to pay out-of-pocket for the entire
                  cost of these drugs and send in a claim to your drug plan for a refund of the portion not covered. Call your plan for more information. Also, visit Medicare.gov for more information on how Medicare covers self-administered drugs you get in a hospital outpatient setting. https://www.medicare.gov/Pubs/pdf/11109-Your-Guide-to-Medicare-Prescrip-Drug-Cov.pdf#page=12

                  ■ Injectable and infused drugs: Medicare covers most injectable and infused drugs given by a licensed medical provider if the drug is considered reasonable and necessary for treatment and usually isn’t self-administered.

                  CMS.gov # 11315

                  I don’t see remicade or infliximab on https://www.medicare.gov/find-a-plan/questions/home.aspx

                  See our page on ways, ideas and programs to get more assistance

                  https://medicare.healthreformquotes.com/part-d-rx/donut-hole/shop-compare-tools/lis-discounts/#moreassistance

                  Reply
                • How Much Does Remicade Cost?

                  single dose of Remicade can cost from $1,300 to $2,500.

                  The first step is determining insurance coverage for the infusion. Medicare does cover Remicade infusions. Most insurance companies require “pre-approval” for coverage. Therefore, the doctor’s office must explain to the insurance company what drug is being given, what other treatments have been tried, and why the new treatment is recommended (typically via a standard form). HMO coverage depends on the individual HMO and the particular agreement with the treating doctor. Any balance of the charges and/or co-pays should be understood prior to beginning treatment. https://www.emedicinehealth.com/remicade_for_rheumatoid_arthritis_treatment/article_em.htm

                  Reply
  4. Plan d- I wand to know policy with best coverage as I know you can’t go up once you sign up, you can always lower or change your coverage

  5. I’d Appreciate your assistance recommending Part D plan available.

    Medications to be checked for 2020;

    zydelig 150mg(idelalisib);
    levothyroxine( 100mcg); generic crestor
    40mg(rovasustatin);
    gabapenten 100mg

      • Can you help find the most economic Part D plan for my Medigap, Least premium, deductible, copay and other fees?

        • Yes. See video at the very top of this page, our response just above and you can do the comparison on your own. If you want us to do it, just send a copy of your new Medicare Card, the one with secret #’s, not your Social Security # and we can do it.

          If you do it on your own, we represent Blue Cross, Blue Shield and United Health Care. Let us know and we can enroll you. If you want a company we don’t represent, you can enroll at Medicare.gov or contact that company and ask them to suggest agents in your area.

  6. I would like to know what the cost of tier 1 medications are.

    Specifically lisinopril hydrochlorothiazide and Atorvastatin.

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