Plan D Questions

[Time2]

I'm looking at Find a Medicare plan and comparing prices. I see if I pick the right Pharmacy it lowers my drug cost $400, Comparing Walmart to Publix. I see my Premium is $0 and drug deductible for Wellcare Value Script is $615. Total drug cost + Premium is $861.04. I don't know how to decipher what my actual cost is when I pick up my prescriptions.
I guess yearly drug cost to me is what matters, so is this line what is important or is there something else I need to check. "Total drug cost + Premium is $861.04"

I do see, "For 2026, you won't pay more than $2,100 out-of-pocket for covered Part D drugs."

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[Irishgirlyc58]

If you are on the detail page of the plan D you are selecting there should be another tab if you scroll down that says something like more detail or prescription detail. It will give you the cost per prescription/month.

 

[Sarah S]

it is view drugs and cost. Then scroll down the page that opens

 

[Irishgirlyc58]

Yeah-when I'm on my laptop I just need to scroll down and the monthly cost shows but if I'm on my phone I have hit the tab and select the medication-unless they've changed that which is always possible.

 

[pb4uski]

I'm looking at Find a Medicare plan and comparing prices. I see if I pick the right Pharmacy it lowers my drug cost $400, Comparing Walmart to Publix. I see my Premium is $0 and drug deductible for Wellcare Value Script is $615. Total drug cost + Premium is $861.04. I don't know how to decipher what my actual cost is when I pick up my prescriptions.
I guess yearly drug cost to me is what matters, so is this line what is important or is there something else I need to check. "Total drug cost + Premium is $861.04"

I do see, "For 2026, you won't pay more than $2,100 out-of-pocket for covered Part D drugs."

I've input our prescriptions and focus on annual premium and drugs cost. I have a $0 cost Wellcare plan. While we use CVS, in the past it didn't matter as DW used Walmart for a while in th past.

I pay the first $615 of drung cost and then a 25% co-pay... all subject to the $2,100 maximum out-of-pocket.

 

[Time2]

If you are on the detail page of the plan D you are selecting there should be another tab if you scroll down that says something like more detail or prescription detail. It will give you the cost per prescription/month.

Yes I see that page, The monthly cost jumps around a lot, from $265.56 to $9.28, mostly because 90day and 30 day prescriptions. But, that doesn't seem to be my cost because it is over the deductible amount. So, I'm back to is "Total drug cost + Premium is $861.04" my main concern

 

[Irishgirlyc58]

Yes I see that page, The monthly cost jumps around a lot, from $265.56 to $9.28, mostly because 90day and 30 day prescriptions. But, that doesn't seem to be my cost because it is over the deductible amount. So, I'm back to is "Total drug cost + Premium is $861.04" my main concern

Your drugs still can have a cost after the deductible. So your drug cost + premium+deductible is $861.04 for the year?

 

[Time2]

Your drugs still can have a cost after the deductible. So your drug cost + premium+deductible is $861.04 for the year?

Yes for the two plans I have looked at. Actually I had it correct in my OP, Total drug cost + Premium is $861.04.

 

[Time2]

Checking further on the Find a Medicare plan website, I see that WellCare Value Script (PDP) to be the lowest price when I use the Publix Pharmacy. It has a $0 premium.
I do not understand this, If I pay $100 a month for my part D premium, my cost for part D is much higher, what am I getting for that extra Are their some tier changes I'm not seeing?

 

[Irishgirlyc58]

Oh for the $100 premium what you are getting is a different part D plan!
For some people that may mean that a prescription that they need is covered and therefore the premium with needed coverage pencils out.
You need to go into the details of any plan you are contemplating and scroll down to your prescription costs. The premium plus deductible is listed on the main page of looking for a plan D. but you need the detail for your meds and to ensure that they are all covered by that specific plan D.

 

[Time2]

Oh for the $100 premium what you are getting is a different part D plan!
For some people that may mean that a prescription that they need is covered and therefore the premium with needed coverage pencils out.
You need to go into the details of any plan you are contemplating and scroll down to your prescription costs. The premium plus deductible is listed on the main page of looking for a plan D. but you need the detail for your meds and to ensure that they are all covered by that specific plan D.

So you are saying, if I was on an expensive drug that was not covered under my $0 premium plan it may be covered under the $100 plan, and then the $100 plan me be cheaper. That makes sense and something I should keep in mind as I have a wait and watch health situation where I may never have any symptoms, or it could get, not so good, and I may need some more costly drugs.

 

[Irishgirlyc58]

So you are saying, if I was on an expensive drug that was not covered under my $0 premium plan it may be covered under the $100 plan, and then the $100 plan me be cheaper. That makes sense and something I should keep in mind as I have a wait and watch health situation where I may never have any symptoms, or it could get, not so good, and I may need some more costly drugs.

Exactly.
I think I might end up taking Repatha in the next year instead of statins so I've plugged that it in to see what plans cover it. Interestingly the $0 plan covers it and is still the cheapest due the $2100 cap.