300% Increase in Part D Plan for 2025

[Dash man]

my wife has the wellcare part d and I was checking on costs. medicare priced 3 drugs and said the 3rd(advair} was not covered. does that mean she has to pay full price or that the insurance company doesn't do anything with it?

I use Advair and it’s not covered, so I use GoodRx or one of the other discount plans. They’ll save you a lot of money.

 

[explanade]

Not on Medicare yet but I've been using GoodRX instead of my ACA plan.

Pharmacy would charge me more for a 30-day supply on my insurance plan than a 90-day supply with GoodRX coupon which I show them.

In fact my insurance won't approve prescriptions more than 30 days either, which is dumb because I'm taking blood pressure medication which is an ongoing prescription.

Is it possible that for common medications, GoodRX would be better than Part D plans?

 

[Chuckanut]

I get a lot of mail from my Plan D insurer suggesting that if I don’t like the premium increase I consider one of their Medicare Advantage plans that includes drugs.

I am wondering if the increase in my Part D premium is partly driven by a desire to get people like me into a Medicare DisAdvantage plan offered by the insurance company. Just a thought.

 

[sengsational]

Is it possible that for common medications, GoodRX would be better than Part D plans?

Yes, many examples of that. I suggested that if you only shop with the Medicare drug price tool, you could be leaving a lot on the table: Shopping Medicare Part-D with the GoodRx Wild-Card

 

[RetMD21]

I get a lot of mail from my Plan D insurer suggesting that if I don’t like the premium increase I consider one of their Medicare Advantage plans that includes drugs.

I am wondering if the increase in my Part D premium is partly driven by a desire to get people like me into a Medicare DisAdvantage plan offered by the insurance company. Just a thought.

I think there is a lot of money to be made just by switching up plan details from year since a lot of people don't shop around.

 

[Sunset]

my wife has the wellcare part d and I was checking on costs. medicare priced 3 drugs and said the 3rd(advair} was not covered. does that mean she has to pay full price or that the insurance company doesn't do anything with it?

use the medicare.gov site, and enter you local pharmacies, the drugs she takes, dosage, frequency, and it will show what price for all the plans and the drug costs. You can even see the price for each drug per refill. Note each plan could vary a lot by which pharmacy you use.

 

[Sunset]

I get a lot of mail from my Plan D insurer suggesting that if I don’t like the premium increase I consider one of their Medicare Advantage plans that includes drugs.

I am wondering if the increase in my Part D premium is partly driven by a desire to get people like me into a Medicare DisAdvantage plan offered by the insurance company. Just a thought.

So are you switching part D plan to another plan D due to the huge increase in your old plan ? (I missed it if you said you were switching).

 

[Chuckanut]

So are you switching part D plan to another plan D due to the huge increase in your old plan ? (I missed it if you said you were switching).

I am looking at other Part D plans. But, I will not switch to an Advantage plan. I have found regular Medicare to work very well for me. YMMV.

 

[wolf]

So are you switching part D plan to another plan D due to the huge increase in your old plan ? (I missed it if you said you were switching).

use the medicare.gov site, and enter you local pharmacies, the drugs she takes, dosage, frequency, and it will show what price for all the plans and the drug costs. You can even see the price for each drug per refill. Note each plan could vary a lot by which pharmacy you use.

AGREE. The medicare.gov site very helpful. But very important to list several pharmacies. As mentioned by
Sunset. Each plan will vary a lot by which pharmacy you use!

I list: Costco, Walmart, Walgreen, Safeway, CVS. at a minimum.

Last year I used Wellcare. This year, 2025, Cigna Assurance. Big price difference. I take 4 generic's and
Jardiance. (this year, it's a tier 3, 2024 it was tier 6).

Happy hunting..

 

[Texas Proud]

I think I remember Jardiance being tier 6 for next year but when I look Medicare only has 4 tiers...

Have to look at what plan is best... what did you choose? I am the same with 3 generics and Jardiance...

 

[wolf]

I think I remember Jardiance being tier 6 for next year but when I look Medicare only has 4 tiers...

Have to look at what plan is best... what did you choose? I am the same with 3 generics and Jardiance...

Cigna Assurance. Be careful. Cigna has several plans on Medicare.Gov. I'm in California. So that may
affect premium/deductible differences.

 

[Chuckanut]

My Plan D insurance company continues to inundate me with mail suggesting that one way I can avoid the big price increase they are hitting me with on my Plan D is to join one of their wonderful Medicare (dis)Advantage Plans.

I smell a rat. Increase the price of Part D by ten times for 2025, then offer a zero monthly premium Advantage Plan as the solution. Too good to be true.

 

[camfused]

^^^ Why would you NOT expect them to be doing this?