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How Medicare Prescription Drug Coverage Works
Medicare drug plans vary in which drugs are covered, what your out-of-pocket costs will be, and which pharmacies you can use. Comparing plans based on coverage, cost, and convenience can help you decide which plan meets your needs.
• Coverage
Medicare drug plans cover generic and brand-name drugs. All plans must cover the same categories of drugs, but plans can choose what specific drugs are covered in each drug category.
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• Cost
Plans have different monthly premiums, and what you pay for each prescription varies depending on which plan you choose. If you have limited income and resources, you may qualify for extra help from Medicare paying your drug plan costs.
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• Convenience
Check with the plan to make sure the pharmacies in the plan are convenient to you. Some plans also allow you to get your prescriptions through the mail. If you spend part of the year in another state, see if the plan will cover you there.
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(Primary Source: Centers for Medicare and Medicaid Services - Your Guide to Medicare Prescription Drug Coverage 2008. This content may have been added upon by Q1Group LLC to include further examples, explanations, and links.)
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Last updated on: 11/14/2008
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