Citizens today need all the help they can get to spend for the high costs of medicines for their sickness. Prescription plans can be availed that will help a person on his or her medical expenses and one of these is Medicare. Medicare may be complicated and confusing to many who have not yet tried the plan, and this is aggravated with the passing of Medicare Advantage Plans and the Medicare Part D prescription drug plan. In order to save some money, it becomes difficult to understand one’s insurance option, and to choose the best prescription drug that will save you some money. However, even if one has selected already his or her plan, the costs of the medicines can still be very high that some still cannot afford to purchase.
Thankfully, several services are now available that can provide assistance about Medicare to people. Many give services at no charge and are not very much known. Let us discuss briefly some services that will offer help to you for your understanding about your medicare insurance options and also help you cut down costs of your prescription medication.
First is through Health Insurance Counselling Assistance Program or HICAP that every state are required to have for free.
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Another service is the Patient Assistance Program coursed through pharmaceutical firms that can give medication at no cost or at a small price to pay. You only have to show your proof of insurance and financial status together with the application that both of you and your physician who prescribed the medication. The rules of eligibility however could differ in each pharmaceutical establishment.
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For your deductible costs or Medical premium, a person’s Medicare Savings Program will be of help to pay some of it. Take note that this includes the Medicare Part B of your monthly premium, and eligibility will be approved depending on our income.
Some of the Medicare Part D prescription costs will also be shouldered through this other service called Mediccare Extra Help or Low Income Subsidy Program, that includes coverage gap, premiums and co-pays.
Another service called the Medicare Rights Center, offers free counselling and advocacy to members of Medicare. In this office, the staff are extremely knowledgeable about Medicare even if they are not staff of Medicare.
If you are still working but will be soon eligible for Medicare, you can ask your Human Resource person for advice.
And then there is the State Pharmaceutical assistance programs that can assist older adults pay for some of their medical bills, although not all states offer this program.
If you have served in the military, you could be eligible for services and prescriptions under Veteran Affairs.
There are some excellent resources too that assist persons with co-pays for their particular medicines depending on the sickness.