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10-17-2021, 05:40 PM
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#1
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Recycles dryer sheets
Join Date: Jan 2012
Posts: 124
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Medigap and part D plans
I will be starting Medicare in Dec 2021 and have started looking at plans. I will most likely going with AARP Medigap plan G, my husband has been with them for many years without issue.
Part D gets trickier for me. I'm on 14 maintenance medications. Most are the lowest dosage available. Sometimes I think that I have ended up on these meds due to side effects of another med, but regardless this is what I am living with right now. Per Medicare.gov the lowest cost choices for mail order are Humana Walmart and AARP preferred.
Is there any issue with mixing Medigap and Part D plans?
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10-17-2021, 05:44 PM
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#2
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Thinks s/he gets paid by the post
Join Date: Jun 2021
Posts: 1,502
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Quote:
Originally Posted by bluelight
I will be starting Medicare in Dec 2021 and have started looking at plans. I will most likely going with AARP Medigap plan G, my husband has been with them for many years without issue.
Part D gets trickier for me. I'm on 14 maintenance medications. Most are the lowest dosage available. Sometimes I think that I have ended up on these meds due to side effects of another med, but regardless this is what I am living with right now. Per Medicare.gov the lowest cost choices for mail order are Humana Walmart and AARP preferred.
Is there any issue with mixing Medigap and Part D plans?
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No issue. They are separate.
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10-17-2021, 05:45 PM
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#3
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Moderator Emeritus
Join Date: Apr 2011
Location: Conroe, Texas
Posts: 18,642
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Quote:
Originally Posted by bluelight
I will be starting Medicare in Dec 2021 and have started looking at plans. I will most likely going with AARP Medigap plan G, my husband has been with them for many years without issue.
Part D gets trickier for me. I'm on 14 maintenance medications. Most are the lowest dosage available. Sometimes I think that I have ended up on these meds due to side effects of another med, but regardless this is what I am living with right now. Per Medicare.gov the lowest cost choices for mail order are Humana Walmart and AARP preferred.
Is there any issue with mixing Medigap and Part D plans?
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No problem as Part D is a separate plan. I have been switching yearly based on lowest cost plan. I have been on Medicare 13 years now.
__________________
*********Go Astros!*********
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10-17-2021, 05:56 PM
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#4
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Recycles dryer sheets
Join Date: Jan 2012
Posts: 124
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Thank you. I assumed that was the case but didn't want to get into any unexpected issues if it wasn't.
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10-17-2021, 08:34 PM
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#5
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Thinks s/he gets paid by the post
Join Date: Aug 2014
Location: Red Rock Country
Posts: 1,915
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Since you are planning on mail order for your ongoing prescriptions, if the plans cost about the same, you might look to see if one has a more convenient local in-network preferred provider that you might rather use for the occasional one and done prescription.
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10-17-2021, 10:51 PM
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#6
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Recycles dryer sheets
Join Date: Jan 2012
Posts: 124
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Quote:
Originally Posted by Ian S
Since you are planning on mail order for your ongoing prescriptions, if the plans cost about the same, you might look to see if one has a more convenient local in-network preferred provider that you might rather use for the occasional one and done prescription.
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Thanks. I've checked that, I can use the same local pharmacy for the one offs. Now I need to go over all my meds and see if Good Rx can be a better deal than insurance for some.
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10-17-2021, 11:09 PM
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#7
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jul 2014
Location: Spending the Kids Inheritance and living in Chicago
Posts: 17,008
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I have found when picking part D , besides entering in the medications currently used, is to select about 4 possible pharmacy brands.
Often 1 pharmacy brand is preferred and therefore considerably cheaper than the others.
When helping some older relatives, I noticed they had a favorite pharmacy, but when the price difference was large enough, were happy to switch to another (grocery pharmacy, Walmart, Costco, CVS, Walgreens, etc).
__________________
Fortune favors the prepared mind. ... Louis Pasteur
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10-18-2021, 07:44 AM
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#8
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Recycles dryer sheets
Join Date: Jan 2012
Posts: 124
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Quote:
Originally Posted by Sunset
I have found when picking part D , besides entering in the medications currently used, is to select about 4 possible pharmacy brands.
Often 1 pharmacy brand is preferred and therefore considerably cheaper than the others.
When helping some older relatives, I noticed they had a favorite pharmacy, but when the price difference was large enough, were happy to switch to another (grocery pharmacy, Walmart, Costco, CVS, Walgreens, etc).
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Yes, I ran the comparisons between multiple pharmacies. I always get 3 months at a time, so I don't care if I have to go a bit out of my way. I was surprised to see that in a few cases, Costco is cheaper than even mail order.
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10-18-2021, 09:07 AM
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#9
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Aug 2011
Location: West of the Mississippi
Posts: 17,169
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No changes to my Plan D or Medigap policy. The price for both is up by less than one dollar for 2020.
I'll take that deal.
__________________
Comparison is the thief of joy
The worst decisions are usually made in times of anger and impatience.
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10-18-2021, 07:19 PM
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#10
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jul 2009
Posts: 5,307
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Quote:
Originally Posted by Sunset
I have found when picking part D , besides entering in the medications currently used, is to select about 4 possible pharmacy brands.
Often 1 pharmacy brand is preferred and therefore considerably cheaper than the others.
When helping some older relatives, I noticed they had a favorite pharmacy, but when the price difference was large enough, were happy to switch to another (grocery pharmacy, Walmart, Costco, CVS, Walgreens, etc).
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Most (maybe all) Part D providers have preferred pharmacies and standard pharmacies. There is usually a considerable cost savings by using a preferred pharmacy.
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