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Tips for Picking a 2015 Medicare Plan

Posted on December 30, 2012 by admin

With 2014 nearly over and a new general Medicare enrollment period opening on January 1, 2015, it is important that you become familiar with the best practices to obtain health coverage if you are eligible for the federal medical assistance. With the implementation of the Affordable Care Act, many medical programs have changed, so it is important that you are aware of these changes and how they affect you. Below are some easy but important tips to keep in mind when you go to pick your Medicare plan between January 1 and March 31 of next year.

1) Shop around.

Avalere Health Senior Manager Christine Harhaj says that “shopping around” is the smartest thing that any Medicare beneficiary can do. There are plenty of options available on the market, and it is recommended that you examine as many as possible before deciding which is right for you. The result will be lower co-pays.

2) Purchase generic drugs when able.

As with every industry, a brand-name medication will cause costs to spike. Thus, generic drugs are the more cost-efficient option. However, before you purchase a generic medicine, it is recommended that you get in contact with your physician and ask him or her if the drug you are planning on purchasing is suitable for your condition.

3) Research drug assistance.

There are a number of drug assistance programs all across the country, which function to provide qualified consumers with affordable or even free drugs. Visit the RXAssist program website to find a program for you.

4) Inquire about free drug samples.

Medication for any kind of condition can prove to be expensive, especially if the issue is chronic and requires constant care. Doctors in the United States receive thousands of dollars in drug samples from various pharmaceutical companies. It won’t hurt to ask your physician if they could provide you with a sample.

5) Think about splitting your pills in half.

There are some pills or tablets that can be cut in half with a pill-splitter. If you were to do this with a drug you need to take, you would be able to reduce your costs by 50 percent. Ask your doctor for a higher dose in medication, cut it in half (if able), and save money throughout the year. Consult a physician for more information.