MEDICARE PRESCRIPTION SAVINGS GUIDE

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1 MEDICARE PRESCRIPTION SAVINGS GUIDE

2 Since the beginning of Medicare Part D, we ve learned what s most important to you getting trusted information and lowering your prescription costs. We re here to help you find ways to save on Medicare Part D. 2

3 Inside this guide: Understand key Medicare Part D terminology Learn what to re-evaluate each year on your drug plan Get tips to lower your out-of-pocket costs Prepare for the upcoming enrollment period 3

4 UNDERSTANDING THE KEY Coverage Phases Deductible Phase Amount you must pay each year for your prescriptions before your Medicare Prescription Drug Plan begins to pay its share of your covered drugs. Once you reach your full deductible Initial Coverage Phase You re only responsible for a copay for each prescription it s a fixed amount you pay for your medication. Once you and your plan spend a combined amount determined by Medicare Coverage Gap Phase You ll be responsible for a higher out-of-pocket payment in this phase also known as the donut hole. Once your out-of-pocket costs reach the upper limit of the coverage gap Catastrophic Phase You ll pay for a much smaller portion of your prescription drug costs for the rest of the year. 4

5 MEDICARE PART D TERMS Costs Associated with Part D Premium The monthly fee for your Medicare Part D Prescription Drug Plan coverage. Deductible The amount you ll pay out of pocket for your prescription medications before your Part D plan begins to pay its share. Deductibles vary by Medicare Part D drug plans. Copay The portion of the prescription drug cost that you re responsible for paying after your deductible (if any) is met. In a standard Medicare Part D plan, copays begin in phase two, the initial coverage phase. A copay is typically a fixed amount you pay for your medication. Penalty You may owe a late enrollment penalty if you go without Medicare Part D or creditable prescription drug coverage for any continuous period of 63 days or more after your Initial Enrollment Period is over. The penalty is the amount added to your Medicare Part D monthly premium for the duration of your Medicare Part D coverage. 5

6 GET ADVICE FROM OUR NEW MEDICARE PRESCRIPTION PLAN ADVISOR We are teaming up with HealthPlanOne to make it easy to answer any questions you may have about Medicare Part D or to help you enroll in a plan.* Who is HealthPlanOne? HealthPlanOne is a licensed health insurance agency with independent representatives that work with major carriers. They are available to help evaluate and compare multiple Medicare Part D plans and help you enroll at no cost. What can they do for me? The helpful Medicare prescription plan advisors can provide personalized advice based on your specific prescriptions and will help you find the plan with the lowest total out-of-pocket cost. They can also estimate how much you ll pay each month and if, or when, you re likely to enter the coverage gap. How can I reach them? Get free, expert advice by calling or visit Walgreens.com/Medicare-Enroll. 6 *No commissions are paid to Walgreens.

7 SELECTING AND RE-EVALUATING YOUR DRUG PLAN EVERY YEAR Each year, when reviewing Medicare Part D plans, it may seem like you ll save the most by selecting the plan with the lowest monthly premium. However, a low premium plan may not cover your medications or could mean you ll have a higher copay. Learn about other areas to consider when evaluating a plan. What is the total annual cost? It s important to look at the total annual cost to you for all the different components, such as premiums, deductibles and copays. Often people focus on the premium and end up paying more in the long run. What is a formulary? Every prescription drug plan has a list of covered drugs called a formulary. Choose a plan that covers all of your medications or offers cost-saving alternatives, such as lower-cost brand or generic substitutes. If you are on medication(s) that are not covered, look for a plan that covers as many drugs as possible. What is a preferred pharmacy network? Many prescription drug plans have a preferred pharmacy network. You pay less on your prescription copays when you fill at a preferred pharmacy in your plan s network. Start your investigation process by ensuring your pharmacy of choice is in your plan s preferred network. You can get a list of plans where Walgreens is preferred on Walgreens.com/Medicare-Plans or at your local store. Need help finding the lowest cost plan based on your prescriptions? Talk to our Medicare prescription plan advisor. See page 11 for details. 7

8 3 EASY WAYS TO LOWER YOUR PHARMACY COSTS Generics Many brand-name drugs have generic alternatives. Check whether your plan has a generic substitution and then talk with your doctor to see if this would be a good option for you. Lower-Cost Brands If you re using a brand name drug that doesn t have a generic alternative, there may be lower-cost, brand-name drugs used to treat the same condition. Ask your pharmacist if you have that option. Then, talk with your doctor to see if switching brands makes sense in your situation. Preferred Pharmacy Some plans have a preferred pharmacy network. By filling at a preferred pharmacy in your drug plan, you can save on the cost of your prescription copays. Walgreens is preferred in most prescription drug plans. 8

9 3 COMMON MISCONCEPTIONS Myth Your prescriptions covered by Medicare cost the same at all pharmacies. Medicare Part D plans can require you to fill prescriptions by mail. Fact You pay less on copays when you fill a Medicare Part D covered prescription at a preferred pharmacy in your plan s network. Medicare doesn t allow plans to require the use of mail-order pharmacy. Once you pick a plan, you don t need to review it each year. Changes in the drugs you take, plan design and coverage may cause your existing plan to no longer be right for you. Every September, your plan sends a letter that describes any changes to your plan. It is important to review this letter as these changes could impact your total cost. Looking for an easy way to enroll in Medicare Part D? Talk to our Medicare prescription plan advisor. See page 11 for details. 9

10 INFORMATION YOU NEED TO PREPARE FOR THE UPCOMING ENROLLMENT PERIOD Here s what you should have handy when you re ready to pick or assess your plan: Your red, white and blue Medicare card (if you re already covered by Medicare) Plans where Walgreens is preferred (available at Walgreens.com/Medicare-Plans or your local Walgreens) Medications you take (names and doses) Ask your pharmacist for a list of your medications Or feel free to make your own list Drug Name/Strength Dose Doses per 30 Days If you have any questions, talk to your Walgreens pharmacist. 10

11 IMPORTANT QUESTIONS TO ASK YOUR MEDICARE PRESCRIPTION PLAN ADVISOR 1. Are my current drugs on the plan s formulary? 2. Does my plan have a preferred pharmacy network? Is my pharmacy preferred? 3. What will be the monthly cost? 4. Will I hit the coverage gap (donut hole)? When? 5. What is the late enrollment penalty? Should I sign up now or wait? 6. Do I qualify for financial assistance such as Extra Help or low-income subsidies? HAVE QUESTIONS ABOUT MEDICARE PART D? WANT TO ENROLL? Call our Medicare prescription plan advisor at * TTY: 711 HealthPlanOne *HealthPlanOne is a licensed insurance broker. No commissions are paid to Walgreens. 11

12 We look forward to seeing you again soon Walgreen Co. All rights reserved

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