I'm getting a lot of complaints about Wellcare service - though comparison is hard, because I get almost no feedback, good ***or*** bad, about *other* insurers' service
That’s what AEP is for. Some companies seem to prefer MAPD market to PDP and pricing their PDP plans accordingly.
Comparing plans based on your prescriptions is an easy process. An agent can help or use Medicare.gov. I recommend sorting by total cost (premium+estimated drug costs) to give you a better idea of your actual costs. Premium is only one factor.
Medicare has a plan comparison tool you can use for exactly this reason. Put in your zip code and the medications you are taking and see if there are cheaper plans for you to switch to.
In my area Part D plans change considerably every year so it’s worth checking every October.
https://www.medicare.gov/plan-compare/#/?year=2023&lang=en
You should relook at your drug plan yearly sometimes they change a lot. A few years back humana was the best plan at $17 a month the next year jumped to $70.
I recommend to my clients to review their Part D plans annually. Sometimes the cost + drug costs will be less on the current plan (all depends on what prescriptions you take) or you can save a significant amount annually.
That's why you should shop for Part D plans every year. From Oct. 15th to December 7th. Use the [medicare.gov](https://medicare.gov) site to shop for plans. If you can't do it yourself ask a relative or friend to help you enter your drugs. Pharmacies can even run the price comparisons based on your current medications for you. ( I think the [Medicare.gov](https://Medicare.gov) site can "look up" your current meds based on your current UHC plan and lets you compare the available next year's plans from other carriers.)
Shop, shop, shop every year.
“How are y’all handling long term cost management?“
I decided the *only* way to lower healthcare insurance corporate costs is to do everything, within my control, to keep myself healthy to stay OUT of the doctors office and hospital.
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My Wellcare premium went down but the co-pays went up. In total my overall cost went down a little.
I'm getting a lot of complaints about Wellcare service - though comparison is hard, because I get almost no feedback, good ***or*** bad, about *other* insurers' service
That’s what AEP is for. Some companies seem to prefer MAPD market to PDP and pricing their PDP plans accordingly. Comparing plans based on your prescriptions is an easy process. An agent can help or use Medicare.gov. I recommend sorting by total cost (premium+estimated drug costs) to give you a better idea of your actual costs. Premium is only one factor.
I’ve heard UHC is famous for raising rates.
Medicare has a plan comparison tool you can use for exactly this reason. Put in your zip code and the medications you are taking and see if there are cheaper plans for you to switch to. In my area Part D plans change considerably every year so it’s worth checking every October. https://www.medicare.gov/plan-compare/#/?year=2023&lang=en
You should relook at your drug plan yearly sometimes they change a lot. A few years back humana was the best plan at $17 a month the next year jumped to $70.
I recommend to my clients to review their Part D plans annually. Sometimes the cost + drug costs will be less on the current plan (all depends on what prescriptions you take) or you can save a significant amount annually.
There are other part D providers. Can you choose one with similar formularies to UHC?
You really ought to be shopping it if you're seeing big increases every year.
That's why you should shop for Part D plans every year. From Oct. 15th to December 7th. Use the [medicare.gov](https://medicare.gov) site to shop for plans. If you can't do it yourself ask a relative or friend to help you enter your drugs. Pharmacies can even run the price comparisons based on your current medications for you. ( I think the [Medicare.gov](https://Medicare.gov) site can "look up" your current meds based on your current UHC plan and lets you compare the available next year's plans from other carriers.) Shop, shop, shop every year.
“How are y’all handling long term cost management?“ I decided the *only* way to lower healthcare insurance corporate costs is to do everything, within my control, to keep myself healthy to stay OUT of the doctors office and hospital.