Medicare Part D Plans in San Diego, CA
Medicare Prescription Drug Plans are separate plans that provide coverage for prescription drugs and are added to Original Medicare. Senior Prescription Drug Coverage in the San Diego area helps cover the expenses of prescription drugs, vaccines, and certain medical supplies that are not included in Medicare Part A and Part B coverage.
There are two ways to get Medicare prescription drug coverage:
1. Consider enrolling in a Medicare Prescription Drug Plan, also known as a Medicare Part D Plan. These plans, also called “PDPs,” provide additional coverage for medications alongside Original Medicare, certain Medicare Cost Plans, select Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.
2. You have the option to enroll in a Medicare Advantage Plan (Part C), which can be similar to an HMO or PPO, or choose another Medicare health plan that includes prescription drug coverage. These plans provide you with all the benefits of Medicare Part A (Hospital Insurance), Medicare Part B (Medical Insurance), and prescription drug coverage (Part D). Medicare Advantage Plans that offer prescription drug insurance coverage are sometimes referred to as “MAPDs.” To join a Medicare Advantage Plan, it’s necessary to have both Part A and Part B coverage.
What do Medicare Prescription Drug Plans Cover?
Every Medicare Prescription Drug Plan has a unique list of drugs it covers, known as a formulary. These plans often categorize drugs into different “tiers” on their formularies, each with its own cost.
Usually, a drug in a lower tier will be less expensive compared to a drug in a higher tier. Sometimes, if your prescriber believes that you need a drug from a higher tier instead of a similar one from a lower tier, you or your prescriber can request an exception from your plan. This exception could help you obtain the drug with a lower copayment.
How do I fill Prescriptions at the Pharmacy?
Provide your Medicare card, Prescription Drug Plan Card, and a Photo ID. If you are eligible for both Medicare & Medicaid, you will want to provide proof of your enrollment in Medicaid as well.
How do I Fill my Prescription without my New Plan card?
If you need to go to the pharmacy before your membership card arrives, you can use any of these as proof of membership to the pharmacist in San Diego of your Medicare Part D plan participation:
- The acknowledgement, confirmation, or welcome letter you got from the plan.
- An enrollment confirmation number you got from the plan, and the plan name and phone number.
- A temporary card you may be able to print from MyMedicare.gov.
If you don’t have any of the items listed above, your pharmacist may be able to get your drug plan information if you provide your Medicare number or the last 4 digits of your Social Security Number.
If your pharmacist can’t obtain your drug plan information, you may have to pay out-of-pocket costs for your prescriptions. If you do, save your receipts and contact your plan to get your money back.
If you have questions about Prescription Drug Plans (PDP) and Medicare Part D Coverage in San Diego, contact My Senior Health Plan for more information.