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Navigating the complexities of prescription drug pricing can be challenging, especially with the upcoming changes in 2025 that will allow negotiation on prices for high-cost medications. To help you better understand how these changes will impact your healthcare costs, we are sharing a helpful chart detailing the negotiation of prices on 10 high-cost prescriptions: https://bit.ly/4h0ufCz If you have questions or need personalized assistance navigating your options, don't hesitate to schedule a free call with Susan. Let's work together to ensure you get the best possible outcomes for your healthcare! 📞: (267) 664-5311 🌐: https://lnkd.in/eVUTT_TD

Many individuals over 65 choose to continue working and rely on their employer health plans instead of enrolling in Medicare, but this can lead to complications. Employer coverage must be considered creditable by Medicare, meaning it should be at least as comprehensive as Medicare Parts A, B, and D. With the new $2000 out-of-pocket maximum for Medicare prescription coverage, many employer plans may not meet this standard, resulting in potential penalties for employees who delay enrolling in Medicare Part D. Employers must inform affected employees by October 15th if their prescription coverage is creditable. Employees then need to decide whether to keep their employer coverage or enroll in a Medicare Part D plan before the December 7th deadline. Stay informed and avoid penalties by understanding your options. For more details, read the full blog on our website: https://lnkd.in/eNtqaWX3

The 2025 changes to Medicare Prescription Drug Coverage (Part D) may not be suitable for everyone. According to CMS, this payment plan is not recommended for individuals with low prescription drug costs or those whose costs remain consistent each month. If you prefer not to change how you pay for your medications, or if you qualify for programs like EXTRA HELP or a Medicare Savings Program, this plan may not be the right fit for you. Additionally, if you're someone who might forget about future bills or struggle with managing multiple bills - one for your plan premium and another for your prescriptions - this payment structure could lead to confusion and potential financial strain. For more insights into who this plan may not work for, visit our new blog: https://lnkd.in/eMw4eWHf

Navigating the 2025 changes to Medicare Prescription Drug Coverage (Part D) comes with some significant downsides. One major concern is the new payment structure, which acts like a form of credit. If you aren't paying for your prescriptions at the time of pickup, it can be tempting to spend the extra money on other things, such as gifts or treats. However, keep in mind that you'll still receive a bill from your insurer for those medications, and this isn't a money-saving feature; it's a budgeting tool. Additionally, both insurers and pharmacies are adapting to this new system, which may lead to glitches in communication about your medications and billing. You could also receive two separate bills each month—one for your premium and another for your prescriptions—making it even more confusing. For more insights on these changes and how to manage them, visit our new blog: https://lnkd.in/e57JFb4g

Understanding the 2025 changes to Medicare Prescription Drug Coverage (Part D) is essential for managing your healthcare costs. For those reaching the $2000 maximum out-of-pocket limit due to high drug usage or costly medications, this cap will help reduce expenses. However, increased cost-sharing responsibilities for insurers may lead to higher premiums, especially for Stand Alone Prescription Drug Plans. As formularies narrow, enrollees must ensure their medications are covered, as Medicare only requires coverage for two drugs per therapeutic category. It's crucial to verify that your current medications are included and to discuss any potential changes with your doctor. Plans may change significantly, and some lower-cost options could offer fewer covered drugs than before. Additionally, new "Medicare Prescription Payment Plans" will allow you to pick up medications without immediate payment, helping you manage costs over time. To learn more about these changes and how to prepare, visit our website: https://lnkd.in/eTjhea_2

Do you know about the new phases of coverage coming to Medicare Prescription Drug Coverage? With the removal of the Coverage Gap (or Doughnut Hole), understanding these changes is essential for your healthcare planning. Here's a quick overview of the new structure: 💊Phase 1 – Deductible: Ranges from $0 to $590 depending on your plan. Medicare Advantage plans often have a $0 deductible! 💊Phase 2 – Initial Coverage Phase: This phase involves copays and coinsurance until you reach the $2000 out-of-pocket maximum. 💊Phase 3 – Catastrophic Coverage: Once you hit that $2000 cap, your medication costs will be significantly reduced, with insurers covering 60% of costs! Curious to dive deeper into these changes and how they may impact you: https://lnkd.in/ec9KNWWk

Important Changes Coming to Medicare Part D in 2025! 🌟 Are you ready for the upcoming changes to Medicare Prescription Drug Coverage? As we approach 2025, it's crucial to be informed about the new regulations and how they may affect your healthcare. Key highlights include: 🔵 A new $2,000 out-of-pocket maximum for Medicare Part D plans. 🔵 Potential changes to your current medications and coverage. This is not the year to navigate these changes alone! Don't let your plan roll over without reviewing it first. It's essential to consult with a knowledgeable agent who can guide you through the process. Want to learn more about these changes and how to prepare? Head over to our website to read the full blog post: https://lnkd.in/giMVdb79

📅 Mark your calendar! Join us on Thursday, September 19th from 10:30 am - 12:00 pm at the Horsham Township Library for a crucial educational event on the 2024 Medicare Prescription Changes. Discover how these updates might impact you and your loved ones, and stay informed for the future. Don't miss this opportunity to gain valuable insights from Susan Sloan! This is a no-sales, purely informative event. See you there! https://bit.ly/3z1fvSR

🔍 Get ahead of Medicare changes! Join Sue Sloan on September 19th at the Horsham Township Library from 10:30 am - 12:00 pm EDT for a deep dive into the 2024 Medicare Prescription Part D updates. Learn how these changes could affect your finances and planning for the future. This educational event is open to everyone and is focused solely on providing you with the information you need. Save your seat here: https://bit.ly/3z1fvSR

📢 Important Medicare Event! On Thursday, September 19th, from 10:30 am - 12:00 pm EDT, join us at the Horsham Township Library for an essential session on the 2024 Medicare Prescription Changes. I will guide you through what's new and how it could impact you or your employee's financial future. This is an educational event, not a sales pitch – a valuable opportunity to get informed. We look forward to seeing you there! Save your seat here: https://bit.ly/3z1fvSR