Many people purchase their Part D Plan separately to go along with a Medigap Plan.
If you enroll in an Advantage plan, you most likely had the option to get Prescription drugs includes which is know as a MAPD.
One easy way to change your MA to a MAPD or to buy a Prescription Drug plan is to call 1-800-MEDIGAP.
Why might you choose a different plan? SImple options and benefit options. Here is a plan design for illustration purposes only.
When can I change my Medicare Part D Plan?
There are several triggers as well as schedules dates that you can make changes. Your Annual Enrollment period may be a time that will allow you yo consider changing.
Can I change my PART D plan any time?
You will have to follow the rules, and change during the allowed times. One trigger for change may be the 5 STAR.
You may also have an option in the event a new 5 Star program becomes available in your area.
Medicare Part D Plan Finder
If you are trying to find a Medicare Part D plan call 1-800-MEDIGAP to discuss with a professional licensed agent in your area.
What is happening is all these drugs are in Tier 1, 2 and 3 and until June
What is happening is all these drugs are in Tier 1, 2 and 3 and until June (Ded to Gap Attachment) they go right into GAP or Donut Hole and pay 25% of each of the drugs and they stay in the Gap until the end of the year. So they are paying a much lower price than retail, it just does not go toward the deductible until they meet that limit when they go into the gap.I attached the Stages of Part D for you to review (remember these numbers are for 2020, they have not given out a new chart yet for 2021.