How to Pick a Medicare Part D Prescription Drug Plan

November 14th 2005

Medicare Part D is a plan where insurance companies can offer different programs.  The programs can vary from state to state. Many seniors will be forced to join the new Program D even though it is extremely confusing for most. 

The first thing you will need to do is to write down each medication you use.  Then examine the programs one by one to determine which programs will cover your prescriptions.  Separate these programs from the ones that will not cover your medicine. 

This is the daunting task.  There are many insurance companies in each state and many of these companies will offer multiple Part D plans.  Besides being confusing it is a lot of work. 

After you have sorted out the programs that fit your prescriptions compare premiums and deductibles. You will want to choose a plan with low premiums and low deductibles.

Pharmacies are important also.  Hopefully the plan will accept the pharmacy you currently use.  Also make sure the plan you choose covers the name brand drugs you use, if your doctor does not allow or recommend generics. 

There are complications but according to the administration most people will be able to save money.  The government estimates that the average American will pay $32 per month for prescription drug coverage with 29 million recipients enrolling.      

By Dan Wilson
Best Syndication Staff Writer

Keywords and misspellings:  Medicare Medecare Medicair Medicaire plan d