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Part D Prescription Drug

The 2021 Medicare Part D Drug Plan Phases

During the first quarter of the new year I often receive this question: “Dan, I went to refill my prescription and was quoted almost double what I paid in December.” Here’s why. Medicare Part D Prescription Drug plans reset each year on January 1 and benefit levels start again at the first of four phases. […]

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Medicare Part C Medicare Advantage Part D Prescription Drug

What If I Missed the Medicare AEP Deadline?

This year’s Medicare Annual Enrollment Period (October 15 through December 7) was a busy time and we are grateful for the scores of individuals and couples who permitted our team of agent advisors to help with their 2021 Part C Medicare Advantage or Part D Prescription drug plan selection. (The December 7 deadline did not […]

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Webinar Reviews

Medicare 101 Webinar – Lori’s review

“Not only is Dan quite knowledgeable on this subject, he is welcoming and explains Medicare in an understandable manner.” ~ Lori R. (November 14, 2020) This past summer New Hampshire Magazine interviewed Dan as part of its September 17 “Understanding Medicare” article. New Hampshire resident Lori R. is approaching Medicare eligibility and wanted to learn […]

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Part C Medicare Advantage

Medicare Advantage and Veterans

medicare advantage plans for veterans >>> FOUR “MA ONLY” PLANS WE REPRESENT <<< We often receive calls from veterans who are paying a monthly premium to be enrolled in a MAPD, a Medicare Advantage with Prescription Drug Plan while having their prescription medications filled through the VA (Veterans Affairs) These veterans are enrolled in Medicare […]

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Case Studies Part D Prescription Drug

A Medicare Advantage case study.

If you, a loved one, friend or neighbor has experienced “sticker shock” with your Medicare Part D prescription drug co-payment, the following case study may interest you. Earlier this week, I received this message from an Albany New York County couple: “We were talking with our neighbor Kathy about the sudden and unaffordable cost of […]

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Part D Prescription Drug

Medicare Prescription Drug Plan Deductible – How Does It Work?

A client called this morning and asked this question: “Dan, I went to refill my prescription and was quoted almost double what I paid in 2018.“ Medicare Part D Prescription Drug plans reset each year on January 1. What that means is the prescription drug benefit levels start over at what is called the Deductible […]

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Part D Prescription Drug

Phase 1: The Prescription Drug Deductible

It’s early January which means Medicare Prescription Drug payment phases have just reset. And I hear this question: “Dan, I just went to refill my medication and the pharmacist quoted me a co-pay almost double what I paid in December.” Medicare Part D Prescription Drug plans reset each year on January 1. What that means […]

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Part D Prescription Drug Uncategorized

Part D Late Enrollment Penalty

Q: “Dan, I just received a letter stating I will have to pay a Part D late enrollment penalty next year for not having a drug plan during the months of February through December, 2017. What’s this all about?” A: “Sam, after you turned 65 in October 2016 you had individual coverage with prescription drug […]

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Case Studies Part D Prescription Drug

“Having this EPIC plan was a miracle; an absolute miracle.”

Only a fraction of the nearly 3 million New York State residents aged 65 and older are enrolled in the state’s pharmaceutical assistance program known as New York EPIC. When I meet with New York Medicare Part D clients, I ask if their individual income is below the $75,000 threshold, $100,000 if married. If so, […]

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Case Studies Part D Prescription Drug

“You Made it Easy.”

The Medicare Annual Enrollment Period, which runs from October 15 through December 7, is upon us. So Sybil, from New York’s Capital Region area, asked me to review whether her Medicare Part D prescription drug plan was the best fit for her three generic and one brand name medications.  After doing some research, I met […]