fnally some financial help for med costs

I finally am able to find an insurance company that works with medicare to help pay for my huge med bill every month. I had put a call into medicare to find out if their part D would help in paying for the narcotics that I have to use continually for my migraines. They said that it wasn't a med that they cover & I would get no help from them even if I did enroll in their new drug coverage.

My husband was in the drug store picking one of my other meds & saw a flyer for another insurance company that works with medicare & their cost is taken out of my disability check even before it is deposited. They actually cover that drug which is the first relief I have had with that $900/month for over a year. Prior to that I had put in a financial need request with the drug company & for some reason they must have made a mistake or something, but they paid my med in full for 6 months. When I re applied, they said that my income was too high (because I was using up the end of my IRA money which was considered to be income).

It is the best coverage I have been able to find....It costs about $50/month, then you have to pay $5 or 5% up to the point they have paid $2100....then I pay full up to the amount of $5000.....then I go back to paying $5 or 5%. As soon as my income tax finally shows up that I no longer have any income now that I have used up all my IRA money, they hopefully I can go back to having the drug company cover the cost after dropping the insurance (they won't pay if you have any drug insurance). Geeze....it gets complicated tryin to find out how you can save the most amount of money when everyone out there is trying to get it away from you.

Hope all of you in the US that are on Medicare have been able to find an insurance program to help with the huge cost of meds,
Debbie

how old does one have to be to get medicare? and how do you get medicad?

i'm really glad that you found a good insurance company that cooperates. i know that some of us,here, would like to have contact info.

good for you, eskie!! xoxox pat

I have to call the Pharmacy ahead of time to see if my meds are covered by medicare.Part D. Thank goodness they pay for my Cybalta and pain meds. I have to use the Ohio Buckeye card to get 50% off of my anxiety meds. I frankly..don't understand their system.(confused, even still)

Pat,

I am on medicare because I am considered disabled because I can't hold down a job with all the anxiety attacks & depression that I started having problems with in 1994. Then after going through the trauma last year with the ID theft & my Mothers death, it knocked me off the ledge I had landed on for a few years. I went on medicare when I was 41 & have been on it every since. As for medicad, I am not sure about that (if is something like medical here in California) that has been the program that paid for those people on medicare without enough income & qualify that way. Unfortunately I have been living off of my IRA money so was considered to have income.

Another great part for me is that my pharmacy wasn't part of those that the insurance company worked with, but as soon as I got my acceptance information, I took in the paper showing them the information & they immediately joined the approved pharmacy list. That was a major issue for me because I require a huge amount of Fentynal every month. I was what before was considered a triplicate medication monitored closely by the DEA. Most of the other pharmacies I would go to didn't cary it & couldn't get it. What a relief to be able to continue going to the same pharmacy.

I guess it is ok to give out this information generally rather than PM (not always sure). It is called Prescription Pathway (medicare Prescription Drug Plans). There are several insurance companies have Prescription Drug plans that are approved by Medicare. They take your information & have to approve you first, then they send on your application to Centers for Medicare & Medicaid Services (CMS) (the federal agency that runs the Medicare program that approves all enrollments).

I think from what I have seen is that the people who qualified for the Medicaid through medicare were automatically enrolled in Medicare part D. Part D doesn't cover many of the meds at all when you get down to looking into what they cover. You can always find another prescription coverage & drop the part D & join the other coverage. In order to save money, it is important to get enrolled before the timeline that medicare has set up for the drug coverage enrollment even with these programs....the monthly costs go up after that date. I also found out that even if you move to another state after enrolling it won't cost you the higher rate when you move your enrollment to another state.

This is about all I think I know about this prescription stuff...sure they will be able to give you much more information that I can......but it is important to know that Medicare has set the final date for enrollment at their first lower cost, then after that, it will cost more just like the Medicare Part D

Hope this may help some of you save more money & find a coverage that covers the drugs you use. I know I was so angry to find out that with medicare D they wouldn't cover my massivly expensive med....(what good are they anyway),
Debbie

Too get on Medicaid in the state Ohio..is so ridiculous. I must pay 519.00 monthly (per their calculations)for it..as a supplement /back-up for medicare. The formula is a "secret". I only have 1,100.00 a month coming in. I eat A LOT of peanut butter and jelly!!!!!! Grrrrrrr!!!! My joys tho..are Psych central, my parrot, and thinking of my 4 grown chidren. (Keeping eye out for Brother can be dubious tho!!!!!!!!!!!