How to Combine Medicare Part B with Medicare Part D
Released on: August 27, 2010, 1:54 pm
Miami, FL - HealthInsuranceFinders.com News and Information
Center today covered the topic "Not everybody on Medicare has the same
coverage". In fact the goal of the Medicare reforms that have been
enacted over the past decade or so have been to give seniors more
options. Many believe these changes in the system have tended to over
complicate things. On the other hand, the large variety of Medicare
plans, and Medicare Supplement plans now available, ensure that seniors
are only paying for the coverage they want and need.
Among your options with original Medicare and Medicare Supplement Insurance are
Medicare Part B and Medicare Part D. Medicare Part B and D can be combined to give
you very comprehensive coverage for medications.
Medicare Part B is your "out patient" medical coverage, in other words, it pays
for doctors visits, home healthcare to a degree, durable medical equipment and some
forms of medications. Things that are technically medication that could be covered
under your Part B benefit include, vaccines, flu shots, allergy injections,
Immunosuppressant drugs and some oral cancer treatments. For the most part however,
Part B is not designed to pay for regularly taken prescription medication. That is
where Part D comes in.
Even if you have one of the lettered Medicare Supplemental Health Insurance plans
(with the exception of some of the older plans issued before 2002 which are no
longer sold) - you still will require Medicare Part D to receive a prescription drug
benefit from Medicare.
Medicare Part D will cover all of the following medications:
* Any approved doctor prescribed medication taken regularly for a chronic condition.
* Any approved doctor prescribed medication for a short-term condition.
* Inhaled nebulizers.
* Vaccines, even those that are not prescribed as a result of injury.
* Hepatitis B vaccines.
* Oral anticancer drugs that may have been prescribed for reasons other then cancer
* And many more types of medication.
Independent health insurance companies sell Medicare Part D Prescription Drug plans.
What drugs they cover and how much they pay for medications does vary depending on
the type of Part D plan selected. If you are soon to enroll in Medicare, or are
currently enrolled and your prescription drug needs are changing - discuss all of
your medications with a Medicare Supplemental Insurance specialist, he or she will
help you find the right combination of Medicare and Medicare Supplemental insurance
that will work best for you.
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