Find the Best Nevada Medicare for You
Are you in need of health insurance for seniors? Medicare is a federally administered health insurance program that provides affordable coverage for senior citizens. They offer many different types of plans including health and prescription plans that will fit your needs.
When researching the health plans be sure to talk to a caseworker and inform them of any current or previous medical history that may affect your coverage. You want to guarantee that you will be covered for all previous and current conditions. You also want to make sure that your plan is affordable to you and you will be able to pay all of your bills.
When examining their prescription plans, known as Medicare Part D, you need to have a list of your current medications. Because each plan is different and covers different types of medications, you need to know which plans will cover your prescriptions. You can determine this by requesting a 'formulary' from the Part D provider, and cross-referencing the provided formulary with your own list of needed drugs. In addition, you need to be aware that you may have to change some of your medications to generic.
Looking at the "Gap"
When deciding on a plan, you should take a close look at when you may experience a gap in your coverage. Research shows that as many as one in four people reach their gap . When hitting their gap they either cut back on their medication or quit taking it all together. You do not want to be caught in a similar situation so do your research thoroughly.
Remember that the prescription service and the health insurance are two completely separate plans offered by Medicare. If you have any questions contact your local family and health service office to get more information and help researching and choosing the best plans that will cover all of your needs.
*You may be able to get extra help to pay for your prescription drug premiums and costs. To see if you qualify for getting extra help, call:
- 1-800-MEDICARE (1-800-633-4227). TTY/TDD users should call 1-877-486-2048, 24 hours a day/7 days a week;
OR
- The Social Security Administration at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY/TDD users should call, 1-800-325-0778; or Your State Medicaid Office.