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 Moderated by: bartmanaz
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Medicare Part D Prescription Insurance GOTCHA  Rate Topic 
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 Posted: Mon Oct 14th, 2019 05:01 pm
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emc2
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Mana: 
Most of us dislike insurance and once signed up, we let it go and just pay the premiums.  This year I wanted to know what my premium would go up to in January.


When I became eligible for Medicare's prescription insurance coverage, I signed up for the least expensive plan available which was Humana's Walmart plan. It was about $7.20 a month at the time.


I currently have Humana Walmart RX Plan paying $26.30 a month (Tucson zip code).  Here's the GOTCHA:  Humana is changing the name of this plan to Humana Premier RX Plan PDP and my premium will be $55.30 in January. Wow! Big increase just because of a name change and essentially no changes to coverage.


However, Humana has three plans available in our Tucson zip code.  One of them is called Humana Walmart Value RX Plan PDP for $13.20 a month in 2020. Deductibles and coverage are pretty much the same. I will change to that one.  


Now I realize this has happened before when my premium took a big jump because the name of my plan changed about 3 years ago but I didn't notice until January when it was too late.


Open season is 15 October - 7 December.  It only takes 5 or 10 minutes to look up your plan on line to see what changes you will encounter.  


Note:  If you are taking expensive medications, then of course look into what your coverage is for that particular drug.  Many of us carry the least expensive coverage in the event we need expensive medication in the future and will then have the option to change coverage during open season.  



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 Posted: Mon Oct 14th, 2019 05:13 pm
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MARIGOT
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Mana: 
THANK YOU for posting this info.
I have the same plan you do, because I don’t have recurring scrips in the USA.  This is a ‘just in case’ policy.

The only time I have gotten scrips in the USA since getting coverage was about 3 years ago before and after surgery.
I usually just ignore the open enrollment period, but thanks to you, will be changing plans. 👍

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 Posted: Mon Oct 14th, 2019 05:41 pm
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emc2
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Mana: 
I am so happy this information helped someone.  I just wonder how many prescription insurance companies are using this same devious tactic.  If you have family or friends in the US, I hope you let them know what is going in.  This information needs to go viral.

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 Posted: Mon Oct 14th, 2019 09:25 pm
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Hook
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Mana: 
Are you saying 55+ dollars a month for some type of a Part D plan? Man, that seems expensive.

Have you looked at the plans from United Healthcare through AARP?

My Medicare Advantage PPO plan went down from 23.00 to 19.00, they added 1000.00 worth of dental this year, many co-pays went down, etc. It does have some drug coverage, but I just buy my blood pressure meds in Mexico at dirt cheap prices, so I dont know anything specific about the drug coverage.

According to a health insurance broker I know, United Healthcare is absolutely kicking butt in the healthcare insurance industry. Their association with AARP has made them huge. With size, comes clout and efficiencies.

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 Posted: Mon Oct 14th, 2019 09:35 pm
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390pony
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Mana: 
I use United Healthcare. It's the perfect plan for me, no additional cost and my prescriptions are very inexpensive.

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 Posted: Mon Oct 14th, 2019 10:16 pm
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emc2
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Mana: 
Yes Hook, over a 100% price increase just for prescription coverage. But there again, it's because Humana changed the name of an existing low priced plan in hopes that the majority of the insured would not read up on the changes for 2020.



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