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    • Home
    • Welcome
      • About Us
      • Our Mission
      • TESTIMONIALS
      • Healthcare Needs Map
      • Schedule Appointment
      • Blog
      • Our YouTube Channel
      • News Letters
    • MEDICARE
      • Quotes for Medicare
      • Medicare READY?
      • Enroll in MEDICARE
      • PARTS OF MEDICARE
      • Medicare Direction
      • Meet IRMAA
      • HSAs with Medicare
      • Inflation Reduction ACT
      • Medicare Costs
      • Medicare 101 Videos
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      • Medicare Advantage
      • Part D - Prescription
      • Wellness & Physical Exams
      • Medicare DOESN'T Cover
      • Extra HELP
      • Penalties/Appeals
      • Medicare Renewals ANOC
      • Medicaid
      • Home Health Care
      • Help / Gov Sites
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      • LINKS
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      • Away from USA
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      • Ind/Fam Plans U65
      • Group Census Info
      • Quotes
      • Dental & Vision
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      • Funeral Planning
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    • EMPLOYER GROUPS
      • Employer NJ forms
      • New Employer Plans
      • ICHRA's for Employers
    • Disability
      • Disability
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      • When Does It Start
    • RETIREMENT
      • SAFE Money
      • Annuities
      • Get Ready for Retirement
      • Teachers
      • Life Insurance
      • Life Insurance_2
      • Gift of Life
      • IRA's
      • IUL Life Insurance
      • Financial Calculators
    • ValuTeachers
      • Find Out More
      • Career with ValuTeachers
      • Ready and sign up
    • Mentor Broker Program
      • BROKERS Back office
      • Medicare Mentor Program
    • CRM Technology
    • About
  • Home
  • Welcome
    • About Us
    • Our Mission
    • TESTIMONIALS
    • Healthcare Needs Map
    • Schedule Appointment
    • Blog
    • Our YouTube Channel
    • News Letters
  • MEDICARE
    • Quotes for Medicare
    • Medicare READY?
    • Enroll in MEDICARE
    • PARTS OF MEDICARE
    • Medicare Direction
    • Meet IRMAA
    • HSAs with Medicare
    • Inflation Reduction ACT
    • Medicare Costs
    • Medicare 101 Videos
    • Medicare Supplements
    • Medicare Advantage
    • Part D - Prescription
    • Wellness & Physical Exams
    • Medicare DOESN'T Cover
    • Extra HELP
    • Penalties/Appeals
    • Medicare Renewals ANOC
    • Medicaid
    • Home Health Care
    • Help / Gov Sites
    • Senior Websites
    • WellBe Health Asst
    • LINKS
    • AARP Membership
    • Away from USA
  • U65 & Ancillary
    • Ind/Fam Plans U65
    • Group Census Info
    • Quotes
    • Dental & Vision
    • Accident
    • Critical Illness
    • Disability
    • Final Expense
    • Funeral Planning
    • Hospital Indemnity Plans
    • Pet Insurance
  • EMPLOYER GROUPS
    • Employer NJ forms
    • New Employer Plans
    • ICHRA's for Employers
  • Disability
    • Disability
  • Social Security
    • When Does It Start
  • RETIREMENT
    • SAFE Money
    • Annuities
    • Get Ready for Retirement
    • Teachers
    • Life Insurance
    • Life Insurance_2
    • Gift of Life
    • IRA's
    • IUL Life Insurance
    • Financial Calculators
  • ValuTeachers
    • Find Out More
    • Career with ValuTeachers
    • Ready and sign up
  • Mentor Broker Program
    • BROKERS Back office
    • Medicare Mentor Program
  • CRM Technology
  • About

How Part D Works

We know this will be a CRAZY time for all, but rest assured with our 30+ years in the industry, we've got you covered and we are your TRUSTED partner.

2025 rx plans

How Part D Works

Deductibles

2025 Max Deductible that can be charged is $590.00

Why you should use goodrX AT CERTAIN TIMES

Download the GoodRx app on your phone from the App Store or Google Play Store

Rx Savings Card **not insurance**

WWW.GOODRX.COM

GET YOUR FREE DISCOUNT CARD AND SAVE UP TO 80% ON YOUR rxS Search for prescription and find the lowest price at a pharmacy near you 

Find out more

New m3p payment plan

 The Medicare Prescription Payment Plan is a new payment option in the prescription drug law that works with your current drug coverage to help you manage your out-of-pocket costs for drugs covered by your plan by spreading them across the calendar year (January–December). Starting in 2025 


You are probably best if you can set aside for yourself $167.00/mo for your $2000/year.


Use this Answer Key to see how it can help:  https://www.medicare.gov/prescription-payment-plan/will-this-help-me

Remember, this is a good thing on the $2000 max. although it will change things in other areas of Me

You can always count on us to be transparent with you and give you options that best suit you!

Contact Us

There are so many changes for 2025, reach out to us if you need clarification.

Contact Us

Things to think about when you Compare medicare Rx coverage

Find out more

MEDICARE RX - MAJOR CHANGES FOR 2025

NEW CHANGES TO COME

NEW SYSTEM FROM WHAT YOU KNEW

NEW

  • Inflation Deduction Act 2022- changes everything
  • NEW:  MPPP (Expensive Drugs over $600)
  • FACT Sheet https://www.cms.gov/files/document/medicare-prescription-payment-plan-fact-sheet.pdf

MPPP-Learn More

NEW

  • Inflation Deduction Act 2022- changes everything
  • NEW:  MPPP (Expensive Drugs over $600)
  • FACT Sheet https://www.cms.gov/files/document/medicare-prescription-payment-plan-fact-sheet.pdf

MPPP-Learn More

UNDERSTANDING PART D PLANS

How Part D works

Why are Drugs so high in Price

Underestanding the inflation reduction act

2 stages that you go through, this is why you will pay different costs at different times


 Different Stages of Coverage

  • Annual Deductible $590 (2025)
  • OOP Threshold $2000 (2025)


be medicare smart

It is optional, BUT if you don't enroll, expect a Penalty.   1% of the "national base beneficiary premium" ($34.70 in 2024) times the number of full, uncovered months you didn't have Part D or creditable coverage 

prescription plans

Get a Quick QUOTE

Even though you have a Rx Plan, you might have to be a SMART shopper and use an alternative method.  There are alternative ways to save on medication:  



www.GoodRx.com  


 www.wellrx.com  


 www.BlinkHealth.com   


www.rxsaver.com

Weight Loss Drugs

WEIGHT LOSS MEDICATIONS UNDER MEDICARE

We would like to address the inquiries we’ve received regarding the coverage and accessibility of certain medications such as Ozempic and Wegovy (Semaglutide), Saxenda and Victoza (Liraglutide), and Zepbound and Mounjaro (Tirzepatide).

Unfortunately, Medicare does not currently cover these medications for weight loss. These medications are only approved under Medicare for the treatment of diabetes, and their use requires prior authorization.


Understanding Prior Authorization for Diabetes Treatment
If you are prescribed these medications for diabetes, the process includes:

  1. Your doctor writes the prescription.
  2. Your doctor submitting clinical notes and a prior authorization request to your insurance company.
  3. Approval of the prior authorization by the insurance company, which then allows the pharmacy to dispense the medication.

To reduce potential delays, you may wish to discuss with your doctor the possibility of initiating the prior authorization process before submitting your prescription to the pharmacy.  What doctor’s wish patients knew


Alternative Options
While Medicare does not cover these medications for weight loss, we understand that many individuals are seeking alternatives. Some of our clients have shared information about vendors that provide alternative options. Please note, however, that we are not endorsing or recommending these options. We are simply passing along this information for your consideration.


Best Weight Loss Medications Of 2025

(click on this link above for 9 different options or below)

If you have further questions or need assistance, please don’t hesitate to reach out to us.

Find out more

Know the Nuances

Know the Nuances

Know the Nuances

 Everyone is eligible for Medicare at 65,  but because people going onto Medicare are usually coming off of an Employer's plan and sometimes even keeping that other insurance—it can be complicated. Knowing the nuances will help you   


See Page 6 & 12  in the Who Pays First Booklet by clicking on the buttom below


Find out more

Home Health Care

Know the Nuances

Know the Nuances

Did you put off obtaining a LTC Policy or just can’t afford it?

NOW YOU CAN DELAY OR AVOID Going into a Nursing Home and Stay at Home with Home Care .


National Average Cost of LTC

NJ = $70k/year approx.

 http://www.altcp.org/long-term-care/long-term-care-cost/ 


A Failure to Plan is a Plan to Fail

LEARN MORE

Medicare Part D

Important Reasons why to join once you're 65.

Learn more

Part D

Find your personalized Plan

Part D

Different Plans Available

Part D

Understanding the Formulary, Premiums, Coverage Gaps, Copays, Coinsurance, etc

Your Health Insurance Advocates

863-588-1615

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