The open enrollment deadline for Medicare is quickly approaching and Rapps Pharmacy, a locally owned full service neighborhood pharmacy in Plainfield, can help patients navigate all of their options. In addition to the traditional pharmacy services, Rapps offers Medicare Part D counseling and provides this useful information from Medicare.gov:
If you're over 65 or turning 65 in the next 3 months and not already getting benefits from Social Security, you need to sign up to get Medicare.
Medicare is health insurance for people 65 or older, certain people under 65 with disabilities, and people of any age with End-Stage Renal Disease (ESRD). Your eligibility for Medicare begins 3 months before the month you turn 65 and ends 3 months after the month you turn 65. If you didn't sign up when you were first eligible you can sign up during the General Enrollment Period between January 1–March 31 each year.
Original Medicare includes Part A (Hospital Insurance) and Part B (Medical Insurance). You must enroll separately for prescription drug coverage through Part D. You can also apply for supplemental coverage (Medigap policy) to help pay for the out-of-pocket costs from Original Medicare. If you don't get Part D or a Medigap policy when you are first eligible, you may have to pay more to get this coverage later.
Medicare Advantage plans offer an "all in one" alternative to Original Medicare. These plans cover all the services of Original Medicare, but also provide extra benefits that Original Medicare doesn't cover such as vision, hearing, dental, and more. Although these plans have lower out-of-pocket costs than Original Medicare, you will often need to use doctors who are in the plan's network.
The Medicare Open Enrollment Period (October 15 - December 7) is when current Medicare users can choose to re-evaluate their Medicare coverage. You can compare different Part D plans on www.medicare.gov . When re-evaluating your Medicare Part D Plan (Prescription Drug Coverage), you need to consider:
- Your pharmacy or the pharmacies in your area
- If you are enrolled in a program that helps with the cost of your healthcare (Medicaid, Supplemental Security Income (SSI), Extra Help, or Medicare Savings Program)
- The medications you are currently taking
- Out of Pocket Cost (monthly premium, yearly deductible, and copays)
Medications are grouped into different tiers, with lower copays on preferred generic drugs and higher copays on non preferred brand drugs. Knowing what medications you are taking and the availability of generic alternatives can help estimate how much you will spend on prescription medications each month. This will also help you compare costs between different drug plans, as these plans can have different premiums, deductibles, and copays. You also have the ability to search for your pharmacy of choice and choose an insurance plan within your pharmacies network. Using these tips can help you find an affordable healthcare plan for the upcoming year.
For more information on how to choose a Medicare plan that is right for you go to www.medicare.gov, the Official US Government Site for Medicare.
Rapps also offers free prescription delivery, automatic cycle fill on routine medications, pill packing, notary public services, and Western Union services.
Visit them on the web at: www.rappspharmacy.com
Conveniently located at:
611 Park Ave
Plainfield, NJ 07060
(908) 668-8630 (fax)