AARP MedicareRx Saver Plus, SC 2013 PDP

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Summary Rating:This Medicare drug plan has an average rating of 0.0
Premium:
$15.00
Deductible:$325.00
Initial Coverage Limit:$2,970.00
Mail Order:No
Gap Coverage:No Gap Coverage
$0 Premium LIS Benefit:Yes
Drugs in Formulary:0
Drug Plan ID:S5921-354
Plan Year:2013
CMS Approved for:SC Residents
Plan Type:National
Members in Region:0

PDP Plan Highlights

Healthy South Carolina Senior, Medicare Part D Plan: AARP MedicareRx Saver Plus (PDP) S5921-354SC AARP MedicareRx Saver Plus (PDP) is an approved South Carolina Medicare Part D Plan. The UnitedHealthcare plan is based on formulary UNKNOWN with 0 drugs approved by the FDA. The annual premium is $180.00 ($15.00 monthly), and it carries a $325.00 deductible on all prescribed medications. The maximum deductible for 2013 is $325. This is regulated by CMS.

South Carolina seniors, several factors may increase or decrease this premium. For example, if you qualify for full or partial Extra Help, your premium could be lower. If you have a premium penalty (for late entry), your premium will be higher.

AARP MedicareRx Saver Plus Initial Coverage Phase

The Initial Coverage Phase (ICP) is your plan’s cost-sharing phase. During the ICP both you and your insurance provider share the cost of your prescription medications. This plan has a deductible, so your ICP does not start until the deductible has been paid.

Each medication is put into a tier within the plan’s formulary. This is simply a way for the insurer to manage cost-sharing. It’s important to note that every plan can put medications on any tier they deem suitable. This is not standardized, because it is based on cost and the various risk models used by the insurers.

If you choose AARP MedicareRx Saver Plus (PDP) your pharmacy co-pay in South Carolina will be tiered as follows:

Tier  Co-Pay AmountMedications in Tier
10 Preferred Generics
20 Non-Preferred Generics
30 Preferred Brand Drugs
40 Non-Preferred Brand Drugs
50 Specialty Drugs

The Initial Coverage Limit (ICL) is $2,970.00. This policy does qualify for the full LIS benefit ($0.00 monthly premium).

Coverage Gap Phase

The Coverage Gap, also known as the Donut Hole is the phase of your Part D plan where you must pay all of your medication costs. Healthcare Reform offers some additional assistance. For 2012 your insurance carrier will pay 7% of your generic drug prescription costs for you while you are in the donut hole. Likewise, the brand-name drug pharmaceutical companies cover half (50%) of your brand-name drug prescription costs. These subsidies count toward your True Out of Pocket (TrOOP) costs.

Some Medicare Part D plans provide additional Coverage Gap assistance that covers you above and beyond the discounts mandated by the Healthcare Reform Act. It’s important to note that if you have prescriptions that are not covered under your plan’s Gap Coverage, you will still get the generic and brand name drug discounts listed above, even if the plan itself does not offer gap coverage.

The Gap Coverage with this policy: You must pay the $3727.50.

Plan Members

Nation wide, the number of seniors using the AARP MedicareRx Saver Plus policy is 0. In region 9 (your region) there are approximately 0 people with this policy (based on 2011 CMS statistics).

Facts About UnitedHealthcare

United Healthcare is an operating division of UnitedHealth Group, the largest single health carrier in the United States. UnitedHealth Group is a diversified managed health care company headquartered in Minnetonka, Minnesota, USA. They offer a spectrum of products and services through two operating businesses: United Healthcare and Optum.

Through its family of subsidiaries and divisions, UnitedHealth Group serves approximately 70 million individuals nationwide. In 2010, the company posted a net income of $4.6 billion.

Essential Information About Medicare Part D

Pharmacy agreements are different with every drug program. Some plans include stringent geographic limits, that include state boundaries, whilst some supply nationwide coverage. If you have an active lifestyle which often consists of regular traveling, it will benefit you to have a policy that allows you to utilize drug stores in all states.

Medicare Part D plans have got a specified service area. It's the area in which the provider does business. To enroll, you must live in the plan’s provider area. Remember that nearly all carriers offer mail-order services. In this way you could have your pharmaceuticals sent straight to your home. Your agent can assist you to select a program that suits your needs, so don’t hesitate to simply call and ask.

Each and every health insurance company sets its own rates. Monthly premiums pertaining to doctor prescribed drug plans vary widely, even for equivalent coverage, so it will pay you to shop prior to choosing.

Insurance companies publicize new prices and other premium particulars each October. You'll want to check and assess rates annually in advance of open enrollment.

Bear in mind that if you don't register for a Medicare Part D insurance policy as soon as you are eligible, your future premiums will be higher. This late entry consequence is set by Medicare, not the insurance companies. Each month you postpone following eligibility you'll pay an extra 1% per month forever.