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Cutting through the confusion in Part D
Antos advises seniors sorting through the Medicare drug benefit to focus on the bottom line: what is the least expensive plan that covers the medicines they need?
Faced with a bewildering array of options, millions of older Americans seem paralyzed by the prospect of selecting a plan offering the new Medicare prescription drug benefit. According to the Centers for Medicare and Medicaid Services (CMS), there is an average of forty to fifty Part D plans in each region of the country. That figure does not include drug benefits offered by private health plans in Medicare Advantage (MA), which could mean a dozen or more additional options for many seniors. Moreover, the detailsdeductibles, co-payments, coverage in the infamous doughnut hole, and drugs covered by the planare complex and vary greatly across plans. Choice is good, but does there have to be so much of it?
Antos' advice is well taken, and should help some seniors approach the program with more confidence.
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