part D insurance 2025

[Bullet Bob]

Years ago I used to know a couple of retired guys who worked at different dealers. They mostly did things like drive cars to different dealers for exchanges - Dealer A had a car that a customer at Dealer B wanted, and and off they'd go. Sometimes they would go to 3 or 4 different dealers, exchanging cars. I guess at large dealers stuff like that was always in motion.

They enjoyed it, and dealers got guys with proven driving records who were mature enough not to beat up the transfer vehicles.

 

[grover99]

I have an AETNA supplemental plan. I have 5 prescriptions that I require daily.

The only one that has an OOP payment is my NORCO which is $35.

I'm good to go.

I also have AETNA WITH 5 prescriptions with 0 copay and one with $47 copay. Next year all of the 0 copays go to $5 and the $47 goes to $108 with a deductible of $560. Hope my insurance agent who I see later this month has something better.

 

[Mike0251]

Status – 69, retired, social security, medicare, plan g, and a plan D. Living comfortably. No complaints.

Opted for a no cost plan D last year as I do not need to take any drugs. Did end up needing Alpurinol to lower uric acid, no charge when picked up. Then needed some prednisone in case of a gout flare up, $3. Does not happen often anymore, now educated on that.

All good so far. Then I had my yearly exam and blood work. Hep C was detected. Are you kidding me? WTH! This led to liver and other scans (all good) and more blood work. Yup Hep C 1a the most common.

We now have some fantastic drugs out there to cure this in 2-3 months, otherwise it will mess up your liver and eventually kill you. Ok fine, lets move forward with that please.

These are not ordinary drugs, they are tier 5, keep that in mind for the max $2000 2025 out of pocket, don't believe they are covered for that 2K.

Back to the prescription, imagine my shock when after the co-pay it was only going to cost me $3200 per month. Full cost $23,000 per month! OMG how am I going to pay for this? And that was the best price. Goodrx is $9000 just in case you wondered about that. And there were no more openings for help available with this particular drug and its manufacturer. I need it for 2-3 months depending on brand/type.

Spoke with the doctor, she changed the drug to a different manufacturer and their type (2 months). They reached out to me, submitted some forms/info to them for help. Nothing drastic. And then hoped I would be accepted with no idea as to level of help.

Last week I was contacted and approved for NO COST to me! I broke down in tears of joy and cried like a baby. A gift from above. First shipment coming this Wed and sig required. 3 pills a day, 2 months, 98% cure rate! Some side effects, nothing terrible. I can do this!!

In closing, it seems hep C can be with you for decades before it decides to show itself. I have learned a lot about this unfortunately. But I am fortunate, no body damage at all including arteries. And I have lived a clean life too, nothing that would have given me this. Makes me wonder about lab work done, right? Also, no matter the plan D some higher tiered drugs may not be covered very well. Keep that in mind.

God bless, I'm still here!

 

[Onomea]

Wow, Mike. Quite a story. Very glad you were able to get the drugs you need at no cost.

(I was diagnosed with Hep C in the mid 1990s. Was not prescribed any drugs, but was told I had to stop drinking alcohol or it would kill me. I stopped for a year. Then I was told, "Oops! Misdiagnosis! You don't have Hep C after all!" Thank goodness!)

 

[Bugkiller99]

Wow, Mike. Quite a story. Very glad you were able to get the drugs you need at no cost.

(I was diagnosed with Hep C in the mid 1990s. Was not prescribed any drugs, but was told I had to stop drinking alcohol or it would kill me. I stopped for a year. Then I was told, "Oops! Misdiagnosis! You don't have Hep C after all! Thank goodness!)

The early Hepatitis C tests were not very good. Designed to test donated blood, so the goal was to be extremely sensitive (have a lot of false positives) so that no tainted blood hit the shelves.
I tested positive when I donated blood many years ago. Confirmatory testing proved this to be a false positive. But the blood bank put me on the no fly list. Years later I got a notification I was eligible to donate blood again. Tested negative many times afterwards with each donation.

 

[H Richard]

I recommend seeing a "qualified" Insurance agent that specializes in Medicare supplement insurance and Medicare advantage plans. They know what is out there to fit your particular situation.

 

[CalifEd]

I recommend seeing a "qualified" Insurance agent that specializes in Medicare supplement insurance and Medicare advantage plans. They know what is out there to fit your particular situation.

My Credit Union has seminars on Medical Insurance and 401k/IRA Investments a couple of times a year.

On the last one they had a Social Security guru talk to us. He knew all the TLA's (their office conversations must be a hoot) and options available but he was able to bring these things down to the mere mortal level; one of the best ones they had.