Private Insurance Considerations:
- Monthly Premiums and Drug Cost can change at any time with 60 day notice; you are still locked in for the full term of your contact.
- Drug Coverage - not all drugs are covered - doubly important for couples.
- Drug Exclusion - some drugs are excluded from the program - it's up to you to check.
- Generic Substitution - some plans automatically substitute generics, giving you no choice.
- Required Pharmacy - You have to shop where they tell you.
- Limited Supply - Some plans only allow you to order a 30 day supply.
- Whether you reach the $5,100 catastrophic spending level - if you do, the Medicare program might be the right for you. But,
you'll still spend about $3,500 out of pocket before you qualify.
Estimated Yearly Cost (varies by plan)
| Premiums: |
$444 ($37 estimated per month) |
| Deductible: |
$250 every year (for the first $250 of prescriptions - you pay it all) |
| Copay: |
After you spend the $250 deductible, you pay $500 out of the next $2000, for a total of $1194 out of your pocket ($444 + $250 + $500) for the first $2250 of prescriptions |
| Next $2850: |
Full cost of all prescription drugs between $2,250 to $5,100. A $2,850 coverage gap out of your pocket |
| $5100 +: |
5% Co-insurance |
Look at ALL COSTS to see if the Medicare prescription program saves you money.
Your Benefits with our Recommended Canadian Pharmacy:
- No Deductibles, no monthly premiums, no contract
- Big savings on brand name prescription medications
- Big savings on generics - even some not available in the US
- Big savings on drugs not covered by your insurance plan
- Big savings on drugs you need when you've reached the $2,850 coverage gap, which would cost you much more at a U.S. pharmacy
- High Quality Medications
- Safe, Reliable Licensed Pharmacy
- Generic or brand medications - YOU choose!
- 90 day supply shipped directly to you; no pharmacy visits every month
- No hassle, no confusion
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