How to choose a Medicare
Part D Plan

Follow these 5 steps to choose the
right prescription drug plan.

1. Make a list of your medications.

Be sure to list both your brand-name and generic medications, including the dosage. Ask your doctor whether you still need each of these medications. Sometimes, if your health status has changed, you might no longer need a certain drug. You might also want to ask your doctor if a higher cost generic drug would work as well as a brand-name drug—switching could save a lot of money.

2. Check plans for covered medications.

Be sure you know whether a plan covers the medications you need. You should also check whether a plan has restrictions, such as prior authorization and quantity limits, on certain medications.

3. Check plans' STAR Ratings.

STAR Ratings are a system established by the Centers for Medicare & Medicaid Services (CMS) to rate prescription drug plans based on criteria that are important from a member's perspective. To check out STAR Ratings for plans in your area, visit www.medicare.gov.

4. Compare plans available in your area.

The online Medicare Plan Finder lets you search for and compare plans, based on covered drug lists, premium costs, deductibles, copayments, and coinsurance. Our Plan Comparison tool provides these cost and coverage details for Blue MedicareRx plans. This information will help you decide whether you prefer a plan with a yearly deductible and lower monthly premium or a $0 deductible plan with a higher monthly premium and greater coverage in the Gap.

5. Review the list of pharmacy networks.

Check to see if your pharmacy is part of the plan's network. By using a network pharmacy, you can usually benefit from discounts and preferred pricing. If you travel during the year, make sure a plan’s network includes national pharmacies that operate in every state. Whether a plan offers a mail-order service is another item to consider.


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