Back
to Top

Part D Insurance
Humana Part D

Licensed Medicare Part D agents represent virtually every insurer in the United States. No one knows the rules and regulations of the Medicare industry better than the local insurance agent.

Medicare Insurance Plans

Why Prescription Drug Coverage?

the-best-medicare-plan

Who are the Real Beneficiaries?

Prescription Drug Insurance is for the benefit of the senior citizens of or above the age of 65 years. It offers a lot more than the original government Medicare program & helps you get the best value for your money. It has various plans & programs which provides you with extra help or 100% coverage, if you qualify for the low income subsidy.

Reasons for signing up to a Prescription Coverage:

  • » A cost effective method when you are on a regular drug process.
  • » Saves money when you go through an unexpected drug expenses.
  • » Medication coverage at a very low premium.
  • » If income is low, you don't need to skip the medicines as you get an extra help in the coverage plan.
  • » There are a various private companies with different plans, so you have an option to choose the best needed plan.
  • » Part D insurance providers have a big network of pharmacies & few offer services like home delivery options etc.
  • » Private companies do not have any extra rates or hidden cost, offering better services with no unknown deductions.
  • » Part D program offers various plans which can be easily understood & your physician can help you out in choosing the right one for you.
  • » No other program [Government Original Medicare Program] provides coverage over drugs.
  • » Plans under Part D provide flexibility to the beneficiaries.
  • » Prescription coverage excludes the drugs which come under Part A & Part B, allowing you to involve in a better plan by opting for other medications.
  • » Enrolling in Part D is easy if you are entitled to Part A or enrolled in Part B Medicare Program.
  • » Monthly Premium is very low offering both, the generic & the branded drugs to choose from.
  • » You have an option to stop using the plan you are enrolled in at any time of the year.
  • » If you have a genuine reason to stop the plan, you are then allowed to enroll in another plan immediately.
  • » There are many brokers in almost every city & state to help you in understanding the plans deeply & choose the right plan for you.
  • » You have to pay a very low co-payment every month to the insurance company for the drugs you buy.
  • » Staying up to date with the Medicare program can help you save a lot of money.
  • » Part D is the lowest premium insurance providing best coverage over the drugs.
  • » There are many programs & services which provides you coverage in Donut Hole period also.
  • » For 2012, high spending in donut hole period makes you eligible for a rebate of $250 & if you enter the donut hole in 2012, you will be entitled to a 50% discount on branded medicines.
  • » During emergency, help can be provided to you even if you are out of the network of the coverage area.
  • » You have 4 easy options to pay the premium for the part D plan.
  • » If you are not sure that you can qualify for extra help, you can easily apply as you won't be charged for it.

You have various reasons to take the Medicare Part D plan into consideration seriously as it will help you save a good amount of money that you are to spend in a year on your medicines.