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How do I know which supplemental Medicare plan is best?

My parents are in their 70's, live off of their social security and a small pension. I just found out that they pay over $300 a month just in medication co-pays, Dad takes 4 prescriptions, Mom takes two! This seems excessive since all of their medications are generic with the exception of one COPD inhaler. They chose the AARP plan because they assumed that AARP always does what is best for seniors. How do I find the most appropriate plan for their situation?
Status: Open    Nov 11, 2015 - 07:49 AM


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Expert Answers

Nov 11, 2015 - 10:50 AM

Take a look at Plan F supplemental coverage from AARP or any other carrier. It covers all deductibles and copayments under Medicare Parts A and B. Then you should also get them Part D drug plans.

Nov 11, 2015 - 01:33 PM

Do not assume that AARP or any provider is the best. Prescription drug plans all change annually and the AARP plans have had large price increases in Georgia, for example. Go to www.Medicare.Gov and click “Find Drug Plans” ( a green button on main page). Then enter your ZIP code and county, enter your drugs, choose your pharmacy and press Continue. Then Medicare shows you all the plans that cover your drugs and who has the best deal. For example, there may be 10 plans that cover all of your drug list. But the price between the #1 and #10 plan is often over $1000 difference annually. You will be very surprised at the spread in prices even amongst plans you know well. Just call the plan that is the best for your Rx list and sign up over the phone. Their phone number is on the plan recommendation screen. This HAS to be done annually and needs to be done per person. Each spouse may need a different Rx Part D plan.


Feb 18, 2016 - 01:19 PM

Thank you for your answers, I was able to save my parents $150 per month just by switching plans!
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