Information about medicare prescription drug program
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Discuss in my Forum Federal Benefit Program: Medicare Prescription Drug Plans =========================================================
By Robert Longley, About.com Guide Filed In:
1. Business and Money 2. > Federal Benefit Programs
Description: Everyone with Medicare can get this coverage benefit that may help lower prescription drug costs and help protect against higher costs in the future. Medicare Prescription Drug Coverage is insurance. You choose the drug plan and pay a monthly premium.
Eligibility Criteria: Important points you need to know about the new Medicare prescription drug coverage:
It is available to all people with Medicare. Almost 1 in3 people will qualify for extra help paying for their drug costs.
It protects you against ever having very high drug expenses. It pays for brand name and generic drugs.
Responsible Federal Agency: Centers for Medicare & Medicaid Services (CMS)
Program Contacts and Information: Centers for Medicare & Medicaid Services (CMS)
Web Resources: Find a Medicare Prescription Drug Plan
Apply for this benefit online Extra Help for Medicare Prescription Drug Plan
Extended Description: On January 1, 2006, new Medicare prescription drug coverage became available to everyone with Medicare. Everyone with Medicare can get this coverage that may help lower prescription drug costs and help protect against higher costs in the future. Medicare Prescription Drug Coverage is insurance. You choose the drug plan and pay a monthly premium.
There are two types of Medicare plans that provide insurance coverage for prescription drugs. There will be prescription drug coverage that is a part of Medicare Advantage Plans and other Medicare Health Plans. You would get all of your Medicare health care through these plans. There will also be Medicare prescription drug coverage that adds coverage to the Original Medicare Plan, and some Medicare Cost Plans and Medicare Private Fee-for-Service Plans. These plans will be offered by insurance companies and other private companies approved by Medicare. If you have limited income and resources, you may get extra help to cover prescription drugs. The amount of the monthly premium is not affected by your health status or how many prescriptions you need. You will also pay a share of the cost of your prescriptions. All drug plans will have to provide coverage at least as good as the standard coverage, which Medicare has set. However, some plans might also offer more coverage and additional drugs for a higher monthly premium.
If you have limited income and resources, you may be able to get help with drug plan costs. You can enroll in three ways:
1. Enroll online on this web site. 2. Call the plan directly.
3. Call 1-800-MEDICARE and Medicare will help you enroll. If you have other types of health or prescription coverage, for instance, from an employer or union, TRICARE , the Department of Veteran’s Affairs, a special program, or a Medigap policy, read all the materials you get from your insurer or plan provider. Talk to your benefits administrator, insurer, or plan provider before you make any changes to your current coverage.
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Robert Longley Robert Longley US Government Info Guide
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