Is a Medicare Prescription Drug Plan right for you?
Yes , the Medicare Part D plan is right for you
- You enrolled in Original Medicare, Parts A and B
- You’re not receiving any prescription drug coverage through an employer or your union
- You’d like help lowering your prescriptions drug costs
- You want coverage for prescriptions in the future, even if you don’t take any right now
- You have an Ohio Medicare Supplement plan or Original Medicare and you need drug coverage to complement your plans
No, the Medicare Part D plan is not right for you
- You’re already signing up for a Medicare Advantage Plan that includes drug coverage
- Your union, employer, or a former employer is providing you with drug coverage
MediBlue Rx Enhanced Part D Plan
Lowest premium of all 3 plans
Savings on prescriptions at many preferred pharmacies
$1 to $2 copays for most generic drugs at preferred pharmacies
MediBlue Rx Plus Part D Plan
$0 deductible
Largest drug list of all 3 plans
Savings on prescriptions at our many preferred pharmacies
$1 to $3 copays for most generic drugs at preferred pharmacies
MediBlue Rx Standard Part D Plan
Savings on prescriptions at our many preferred pharmacies
$1 to $3 copays for most generic drugs at preferred pharmacies
Premium
The bill that you pay every month for your plan. This bill comes from us, but you can usually arrange to have it taken straight out of Social Security.
Deductible
An annual amount of money you need to spend before your plan kicks in to pay for you or help you pay.
Copay/Coinsurance
The percentage or fixed amount that you pay when you get prescriptions filled at the pharmacy.
Coverage Limit
A limit to how much plans can cover in a calendar year. If you reach that limit, you may have to pay for your full medication costs until the end of the year. (Check out exceptions to this limit below.)
Drug Tiers
All the drugs Anthem covers are divided up into pricing tiers. Basically, generic drugs are the lowest tier and are the most affordable, while brand name medications and specialty drugs are in higher tiers that cost more.
Prior Authorization
In order to cover certain prescription drugs, your plan may require your doctor to clear it with us before writing the prescription and let us know that it’s medically necessary for you.
Step Therapy
For some conditions, there are drugs that do the same thing at different prices. With Step Therapy, you and your doctor can agree to try a less expensive drug first, then “step up” to more expensive drugs if that one isn’t working, or if it becomes medically necessary to do so.
Quantity Limits
For safety reasons, your Prescription Drug Plan may limit the amount of a specific drug you can get. If you refill a prescription too soon, or if you’re prescribed an amount above safety standards, your doctor may need to call us before refilling your prescription in order to keep you covered.
