There is a range of Medicare Part D Plans in Macon GA, for people who want to get prescription drug coverage. As long as a person is enrolled in Medicare Part A or Medicare Part B, they are generally eligible for coverage under a Medicare Part D plan if they wish. Some people are able to get prescription drug coverage from their previous employers, but many are not. This is where a Medicare Part D plan can take up the slack.
How to Get Medicare Part D Plans
Medicare Part D Plans in Macon GA, are similar to any other private insurance plan, but people must choose enrollment. There are two basic ways to get drug coverage through Medicare Part D. A stand-alone plan gives just coverage for prescription drugs. A Medicare Advantage Plan is more extensive and encompasses both prescription drugs and medical services. People who want the convenience of a packaged plan may prefer the Medicare Advantage Plan.
The Medicare Part D Premiums
Every prescription medication plan determines its own specific premium for every calendar year. A person’s income may have an impact on their Medicare Part D premiums. For example, people who have a large income may have to pay an extra surcharge. For those with an adjusted gross income that exceeds $85,000 for singles or $170,000 for couples, this surcharge may be due. Your private insurance company will determine the premium amount and tell you how much to pay each month. If any surcharge is due, that will be paid to Medicare rather than to the insurance company. Generally, each prescription will require a copay that is separate from the monthly premium that is paid directly to the private insurance company.
Most Medicare Part D plans have a yearly deductible that must be met before Medicare pays for prescriptions. In the year 2015, that deductible was $320. However, some plans do have a low or zero deductible. If you’re looking for a Medicare Part D plan, check out the Stone Insurance Agency Inc. You can browse the website to find out more about their Medicare Part D and other insurance plans today.
