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Should I choose a plan that has an initial deductible?
From what we have noticed, the paying of a $295 deductible appears to be almost a matter of personal preference rather than pure economics.
We have spoken with some people who wish to have no deductible (they want "first dollar" coverage), even when the total annual estimated plan costs would be more than a similar plan with a standard $295 deductible. Other people are looking at the Medicare Part D plans as a strictly economic exercise and choose a plan only on the basis of estimated costs, rather than convenience or comfort. People familiar with, for instance, automobile insurance understand how an insurance deductible functions and simply anticipate paying the initial $295 before coverage begins.
Objectively, perhaps it is best to begin searching for a plan that most affordably covers your existing medications (and has a large enough plan Formulary to cover next year's potential medications) and then consider your feelings about the initial $295 deductible.
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Last updated on: 11/14/2008
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