Part D coverage with Medicare Advantage Plans

The Part D plan is the Medicare prescription drug plan which can be availed in two of methods. One method is that you can opt for the distinct Medicare Prescription medicine Plan in addition to your Original Medicare or you can choose the Part C plan from a private insurance company such as Aetna which offers the prescription drug coverage in form of a complete package which is known as the Aetna Medicare Advantage plans. These plans are known for their supplemental benefits.

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Drug coverage

The Medicare Advantage plans give you the opportunity to have all of your major healthcare coverage under a single roof which provides coverage for your drugs, hospitalization (Part A), doctor visits (Part B, and some additional benefits as well. However, you can also opt for the stand-alone health insurance Part D Prescription medicine Plan which acts along with the Original Medicare.

Important things regarding plans which provide prescription drug coverage:

  • Plans roll out a list of prescription drugs which can be covered by scheme. Scheme covers no other drug which is not on list. If you choose a plan which does not provide coverage for your medicine, then you might have a problem. However, if such a problem arises then one can file a request to his or her scheme provider for converge and rest depends on provider. One should also keep a close eye on updates regarding drug coverage lists.
  • There are some plans which require their members to pay copay or coinsurance for instruction drugs.
  • Also, some scheme providers bound their members to purchase instruction drugs from only within provider’s service network pharmacies.
  • Benefits of an instruction drug scheme are based on plan which you choose and also on your location.
  • Whenever plans change their list of offered drugs, then they are bound to notify member via letters and emails. If you take drug which was being covered by scheme before change in drugs list, then you qualify for a one-time 60-day supply of that drug with same conditions which were in action before change took place.

It is essential to note that Stand-alone Aetna Medicare Part D Prescription medicine Plans can never be combined with a Medicare Advantage Prescription medicine plan. However, if you are member of Medicare Advantage plan which does not offer prescription drug coverage, then you might be allowed to register in Stand-alone Medicare Part D Prescription medicine plan.