So you’re at the doctor’s office for a check-up, but something’s amiss.  The doc says you need to start taking a medication to treat the new issue at hand.  What should you do? Do you run to the pharmacy and fill the prescription? Depending on the situation, that may be necessary.  But if it isn’t particularly urgent, we have a few recommendations that can hopefully save you time and money.

#1 – Address your health concern naturally 

This isn’t always the correct route, but the first question you should ask your doctor is, “Could I fix my issue with changes to my eating habits and lifestyle?”  If the doctor agrees this is an appropriate first step, then go for it.  But only with your doctor’s approval. If the issue is more serious, then move on to #2.

#2 – Inquire about alternative prescription drug options 

Doctors have their favorite prescription drugs to address certain issues.  But there is typically more than one medication available to treat each condition.  Your doctor might prescribe a generic drug or a brand name drug. Brand name drugs typically cost more than generics, so you want to be extra careful if you’re prescribed a brand name.

Since your doctor doesn’t know the price of every drug and how your insurance plan covers your particular prescriptions, you need to ask for a few alternative drugs when prescribed a brand name drug.  Because if you don’t, you may be in for a big surprise – and a big bill – when you pick up your prescription at the pharmacy. So don’t accept whatever is prescribed to you, especially when it’s a brand name drug.  Consider a generic drug to save you money…as long as your body responds well to the drug and your doctor is okay with it. 

#3 – Compare drug pricing at GoodRx.com

GoodRx.com has become very popular in the past few years.  GoodRx has cash discount deals for prescriptions at many pharmacy chains.  Sometimes it’s actually less expensive via GoodRx than through your Part D prescription drug plan!  And if that’s the case, here’s what you need to do: Show your pharmacist the GoodRx coupon for the particular drug, which you can print at www.goodrx.com or pull up the GoodRx app on your smartphone.

The discount will be applied and you’ll pay the necessary copay like normal.

Please note, you CANNOT use both GoodRx and your Part D prescription drug plan.  It’s one or the other. If you are buying a few prescriptions through your Part D plan and others through GoodRx, be sure to complete two separate transactions at the pharmacy.

When you’re on Medicare, you need to be a little more resourceful when it comes to your prescription drug costs.  But we’re here to help guide you along the way. Contact us for assistance.

Reference Links

www.medicare.gov

www.goodrx.com

Neither Medicare Mindset LLC nor its agents are connected with the Federal Medicare program.

Last week, we walked through how to access your Medicare Claim Number beyond your Medicare card. But what if you lose your Medicare card entirely?  Can you request a new one? Can you print a copy online?  

Yes, you can request a new one AND actually print one too!

A step-by-step video guide is available below, via our YouTube Channel.

How To: Request a New Medicare Card Online (via www.socialsecurity.gov)

Login to your My Social Security online account at either www.ssa.gov or www.socialecurity.gov.  On the home page, there is a right-side Navigation bar (see below).

Click on “Replacement Documents”.  There, you’ll see a place to request a replacement Medicare card.

How To: Print a Copy of Your Medicare Card Online (via www.medicare.gov)

To print your Medicare card, you actually need to log in to a completely different online account on www.medicare.gov.  Once you are logged in, you’ll see a yellowish-orange section that says “Your Medicare Card” (see below).  

Just below it, you’ll want to click on “View or print your Medicare card”.  The next page will prompt you to re-enter your online password. After entering your password, you’ll now see an image of your Medicare card (front and back).  You can either print the card or save it as a PDF document.

Now you can access your Medicare card on demand. We are here to help uncomplicate every step of the Medicare process. Check out our blog page and YouTube Channel for more informative posts or contact us for direct, personalized support. 

Reference Links

www.medicare.gov

Neither Medicare Mindset LLC nor its agents are connected with the Federal Medicare program.

First thing’s first: what is a Medicare Claim Number? Your Medicare Claim Number is the mix of letters and numbers on the front of your Medicare card.  If you have Original Medicare, you use this card to file all Part A and Part B claims.  

But over the years, I’ve known plenty of people who misplace their Medicare card. But don’t stress: you can still quickly and easily access your Medicare Claim Number to show proof of coverage. 

You can access your Medicare Claim # very easily via your My Social Security online account at www.ssa.gov or www.socialsecurity.gov.  If you haven’t created an account yet, please do this first.

Once you are logged in, you’ll want to focus on the Benefits & Payments section, as seen in the image below: 

For a more detailed guide on how to navigate the website, click the video link below: 

Visit our YouTube Channel for step-by-step instructions.

When you click the link that says “Get a Benefit Verification Letter,” a new window will open.  This new window is a letter summarizing the benefits you received from the federal government.  It will show your Social Security benefit information, as well as your Medicare Part A & Part B start dates and Medicare Number (also known as the Medicare Claim Number). You can print the letter or even save it as a PDF document for easy access anytime without having to go online. 

In our next post (How to Get a Replacement Medicare Card Online), we show you how to get a copy of your Medicare card online.  You can also view our YouTube video associated with the post HERE.

Reference Links

www.ssa.gov

www.socialsecurity.gov

My Social Security account login

Neither Medicare Mindset LLC nor its agents are connected with the Federal Medicare program.

In every Medicare consultation we have with a Medicare beneficiary, dental coverage pops up.  Good dental care and hygiene is an indicator of your overall health, so it’s understandable that most people want dental coverage while on Medicare.

Unfortunately, Original Medicare doesn’t cover most dental services.  Not the usual dental care you are used to, such as cleanings, fillings, crowns, x-rays, implants, etc.  Medicare Part A (hospital) does pay for certain dental services when you’re in a hospital, but that would only be in very limited situations.  Think: mouth and jaw reconstruction after an accident.

So how should you address this?

Cash Pay

Some Medicare beneficiaries go this route by paying cash, which typically comes at a discounted rate for dental services.  Many dental offices provide a discount of at least 10% for not having to run the claim through an insurance carrier. Check with your dentist’s office to see if they offer cash discounts or potentially their own dental coverage program.

Stand-Alone Dental Insurance Plan

You can always purchase a dental insurance plan at any time while on Medicare.  There are many dental insurance plans available, but you’ll want to confirm that your dentist is in-network with any plans you’re considering. Talk with your dentist first to narrow down your search.  For more support, you can work with an independent insurance agent like Medicare Mindset. We can help you find which plans have your dentist in-network.

If your dentist doesn’t accept any insurance, there are few dental plans that work well in these situations.  Basically, the plans will allow you to submit the claims for any dentist you want to see, which will then be reimbursed for allowed services up to a maximum limit each year.

Keep in mind:  It’s pretty common to see waiting periods for certain dental services when you initially purchase a stand-alone dental insurance plan.  For instance, a 6- or 12-month waiting period could be required for major services like crowns and extractions.

Dental Insurance Plan Inside a Medicare Advantage Plan

Medicare Advantage plans, which can combine Medicare Parts A, B, and D into one plan, do have the ability to provide extra benefits for dental services that Original Medicare doesn’t cover.  Always confirm this in the plan’s Summary of Benefits document.  

You’ll see these plans in two variations:

Built-in dental plan with no additional premium

You might receive one or two no-cost teeth cleanings per year, a set of x-rays, or a fluoride treatment.  There won’t typically be an additional premium for this option, but the coverage is lacking for any major dental services.

Optional supplemental benefit dental plan with a premium

If you prefer a more comprehensive dental insurance plan, some Medicare Advantage plans will include Optional Supplemental Benefits at an additional premium each month.  This could help beef up your dental coverage to a higher level…and sometimes include no waiting periods! Again, verify the offerings in the plan’s Summary of Benefits document.  

In both variations, the plan could use a specific dental network of providers, so be sure to check your dentist’s participation in the network.  

You don’t have to navigate dental care alone.  Please contact us with your dental insurance questions.  We can guide you in the right direction.

Reference Links

www.medicare.gov

Medicare Dental Services

Neither Medicare Mindset LLC nor its agents are connected with the Federal Medicare program.

If you delayed Medicare enrollment because it was advantageous to stay on a group health plan, you can use your Special Enrollment Period option to enroll.

Your next steps are dependent on whether you initially enrolled in premium-free Medicare Part A during your IEP. 

Here’s how to enroll in Medicare Part A and/or Part B after your Initial Enrollment Period (IEP) ends:

Click the video link or keep reading for step-by-step support.

If you already have Part A and just need to add Part B:

You will need to complete two paper forms and turn them in to a local Social Security office:

Application for Enrollment in Medicare Part B (Medical Insurance) [Form CMS-40B]

Complete pages 1 through 8. Don’t forget to indicate the Part B effective date on Page 12.  It must be within the next 90 days, and it must be the 1st of the month. For example, ”I would like my Part B to begin on July 1st, 2019.”

Request for Employment Information [Form CMS-L564]

Your employer will complete this form, specifically Section A pages 1-7 and Section B pages 1-5, complete with a signature at the bottom of each page. Contact your Human Resources department. 

Once both of these are completed, they must be turned in to a local Social Security office.  Here are the next steps and a few tips:

In-Person Visit:

You do not need to, nor can you, schedule an appointment at a local Social Security office just to turn in Part B enrollment forms.  You will have to be a “walk-in”.  

One way to get around this is if you also plan to enroll in Social Security retirement benefits at the same time.  In that case, you are able to schedule an in-person appointment to do both the Social Security retirement and Medicare Part B enrollments.

Turn in the forms 30-60 days prior to your requested start date.  

Avoid leaving the paperwork in the Social Security office’s drop box.  In many cases, paperwork left in them are lost.

Mail the Paperwork:

You can mail the two forms to your local Social Security office. 

If you go this route, make copies for your records and mail via USPS Priority Mail.  It will cost $6-7 to do this, but you will have a tracking number and the option to require a signature on delivery.  That way, you know when the paperwork is received. 

If you need to enroll in both Part A and Part B...

In this situation, you need to first enroll in Medicare Part A & Part B online at www.socialsecurity.gov. For a complete, step-by-step guide to online enrollment, click the links below for our extended and abridged tutorials: 

How to Enroll in Medicare Online in Less Than 10 Minutes (Detailed Version) [9 min, 13 sec]
How to Enroll in Medicare Online in Less Than 10 Minutes (Short Version) [6 min, 18 sec]


Please note: be sure to add a note in the Remarks/Comments section, specifying when you want your Part B to begin.  

Once you complete the online enrollment process, you will be contacted by phone or US mail by a representative from Social Security. 

This person will be in charge of processing your enrollment, so don’t screen the call. The Social Security representative will inform you that you need to turn in the same two forms as referenced earlier.  Then, you will need to provide them with the completed Part B enrollment forms:

– Application for Enrollment in Medicare Part B (Medical Insurance) [Form CMS-40B]

– Request for Employment Information [Form CMS-L564]

Usually, the Social Security representative will offer the option of mailing the forms directly to him or her to avoid a trip to a local Social Security office.

One final note on this scenario:  Your Part A benefits will be back-dated up to 6 months from the month you submitted the enrollment.  Your Part B will start on the date you requested, but your Part A will be a different date in the past.

And there you have it…instructions to enroll in Medicare after age 65!  

Thankfully, you don’t have to do this on your own.  At Medicare Mindset, we help our clients with this transition every day.  We can guide you from start to finish. Contact Us to get started.

Reference Links

www.medicare.gov

Medicare Enrollment Periods

Application for Enrollment in Medicare Part B (Medical Insurance) [Form CMS-40B]

Request for Employment Information [Form CMS-L564]

Neither Medicare Mindset LLC nor its agents are connected with the Federal Medicare program.

When you’re first eligible for Medicare, there’s a 7-month Initial Enrollment Period (IEP).  Your IEP spans the three months before your birthday month, throughout your birthday month, and the three months after your birthday month.  But what if you don’t plan to enroll in Medicare at age 65 and want to stay on a group health plan? Well, you can do this…and WITHOUT penalty!

Keep reading or click the video link below to learn more.

Visit our YouTube Channel

Here are 4 reasons why you should consider delaying Medicare enrollment:

— You have group health coverage from an employer that has 20+ employees.  In this case, the group health plan continues to be primary coverage, so you don’t need to enroll in Medicare Part B (medical/outpatient).  You can enroll in Part A (hospital) without issue, as long as you’re not contributing to a Health Savings Account (HSA).

— You have group health coverage from your employer that has 20+ employees…AND…your younger spouse (not yet eligible for Medicare) is also covered on the plan as a dependent.

— Your income is high, which would cause your Medicare Part B (and Part D IRMAA) premiums to increase.  Depending on your group plan premiums, this could make the Medicare route more expensive. The standard Part B premium in 2019 is $135.50/mo…but it can get as high as $460.60/mo at the top income tiers.

— Lastly, you may determine your existing group health coverage has a very strong design and/or it would simply cost more to go on Medicare.

You’re probably thinking…”Isn’t there a penalty to delay Medicare enrollment?”  In a vacuum, this is true…but if your employer has 20+ employees and you’re covered in the group health plan (based on your employment or a spouse’s), you can delay enrollment in Part A and/or Part B without penalty.  And don’t let anyone tell you otherwise! In this case, you will use your Special Enrollment Period option to enroll.

Contact Us if you need help deciding what to do.

Reference Links

www.medicare.gov

Medicare Enrollment Periods

Neither Medicare Mindset LLC nor its agents are connected with the Federal Medicare program.

Transitioning to Medicare is incredibly time-sensitive and often misunderstood. So today, we’re breaking down the most common Medicare misconceptions we see on a regular basis, so you can enroll easily and avoid mistakes. 

Misconception #1

To avoid a lifetime penalty, I have to enroll in Medicare Part A (hospital) and Part B (medical) when I turn 65.

This depends on whether you plan to continue to be covered by employer provided group health insurance when you turn 65.

Large Employer (20 or more employees, or over 100 if on Medicare prior to age 65 due to disability) 

If you or your spouse’s employer is considered “large,” you can delay enrolling in Part A (hospital) and Part B (medical) and choose your Medicare coverage start date in the future. If you take this route, the group health plan will be primary, so Medicare Part A and B are not necessary.  If you do have Part A and/or B, it will be secondary to the group health plan, and you may be paying the Part B monthly premium with very little benefit to you. Enrolling in premium-free Part A is fine, as long as you aren’t contributing to a Health Savings Account [see Misconception #3].

Note: If you delay enrollment in Part A and/or B to a future date, you won’t be penalized, as long as you have continuous health coverage through the group health plan. COBRA and retiree health plans are NOT considered coverage based on current employment.  

Small Employer (20 or less employees, or less than 100 if on Medicare prior to age 65 due to disability) 

If you or your spouse’s employer is considered “small,” you will need to enroll in Part A and B.  This is necessary because Medicare is primary in this situation.  

In many cases, your group health plan will act as though you have enrolled in Part A and B, and pay less on medical claims, regardless of whether or not you actually enrolled in Part A and B.  In these small group situations, you will need Part A and B in effect.

The bigger question is really whether you should stay in the group health plan as a secondary payer.  It may make sense to transition entirely to Medicare with supplemental medical and drug coverage, and leave the group plan.

If you don’t have access to an employer provided group health insurance plan (or some other creditable health coverage) when you turn 65, you will need to enroll in Medicare Part A and B, and obtain the necessary supplemental medical and drug coverage.

Misconception #2

I have drug coverage through my employer group health plan, so I don’t need to enroll in a Medicare Part D Prescription Drug plan.

If you transition to Medicare after your Initial Enrollment Period because you are in a group health plan, you may incur a Part D late enrollment penalty.  This depends on whether your existing health coverage has creditable prescription drug coverage.  

Most Medicare beneficiaries think their drug coverage in an existing plan is enough. But simply having drug coverage isn’t the issue.  Creditable prescription drug coverage means that it meets or exceeds Medicare Part D minimum coverage standards. Some health plans do not meet these standards and have non-creditable prescription drug coverage.  If you are in a group health plan with non-creditable prescription drug benefits and are beyond your Initial Enrollment Period in Medicare, you will begin to accumulate a Part D late enrollment penalty. 

The Part D late enrollment penalty is assessed and charged only when you actually enroll in a stand-alone Part D plan or Medicare Advantage plan with Part D benefits.  The penalty is based on the number of months you are late enrolling.  

Here is an example of a late enrollment penalty assessed in 2019 for a beneficiary enrolling in a Part D plan 10 months late…

..2019 Part D National Base Premium = $33.19/mo

..1% of $33.19 = $0.3319

..Multiply $0.3319 by the number of months you are late enrolling ($0.3319 X 10)

..2019 Part D penalty = $3.32/mo  → rounded to the nearest ten cents  → $3.30/mo

This penalty is assessed monthly, for life. Keep in mind, as the Part D National Base Premium fluctuates, so will your Part D penalty.

Note: Some Medicare beneficiaries knowingly accumulate a Part D late enrollment penalty and avoid enrollment in a Part D Plan at age 65.  This is only recommended for those who wish to continue contributing to a health savings account (HSA) in their group health plan, which leads us to Medicare Misconception #3.

Misconception #3

I have to stop contributing to my Health Savings Account (HSA) when I turn 65.

This is simply not true.  Continuing to contribute to an HSA account beyond age 65 can be a great strategy for someone working beyond age 65 and staying in a group health plan. This typically will only be a good strategy IF the Medicare-eligible employee has “creditable” prescription drug benefits in his/her group health plan, is not receiving Social Security retirement benefits, and is in a large employer plan…as we discussed in Misconception #1.  Keep in mind, you must cease HSA contributions if you enroll in any portion of Medicare.  

As referenced at the end of Misconception #2, some beneficiaries knowingly accumulate a Part D late enrollment penalty in order to load up their HSA accounts while they can.  This really should be a short-term solution because the longer you do this, the larger the Part D penalty will be when you do eventually enroll in a Part D plan.  Typically, beneficiaries utilize this strategy when they know they will retire and/or lose group health coverage in a few years or less (usually 2 years or less). Otherwise, the penalty gets larger, and the strategy might not make sense.

Note: HSA account balances can be used for qualified medical expenses while in a group health plan, and also once enrolled in Medicare.  Reference IRS Publication 502 for the list of approved medical expenses.

Misconception #4

I am already 65 but have COBRA health coverage.  When my COBRA coverage ends, I can enroll in Medicare Part A and Part B at that time.

This is not true.  If you didn’t enroll in Part A and/or Part B within 8 months of the end of your employment, you cannot enroll in Part A and/or Part B whenever you want.  Outside of this 8-month time frame, COBRA coverage is NOT a Special Enrollment Period (SEP) opportunity for Medicare.  Instead, you will need to enroll in Part A and/or Part B during Medicare’s General Enrollment Period (GEP), which spans from January 1st through March 31st each year.  Your Medicare coverage date will be delayed to July 1st of that year.  Depending on the timing of everything, this may create a late enrollment penalty in Part A and/or Part B, which will increase your Medicare premiums for life.

An additional issue here is that Medicare is primary to COBRA health coverage.  This means that if you don’t have Part A and B while on COBRA, your medical coverage may come up short because your COBRA health plan will pay claims as if you have Medicare Part A and B, leading to additional out-of-pocket expenses.


What assumptions do you have about Medicare enrollment? Are they accurate? We’re here to help you understand Medicare, from enrollment to expenses. Contact us today for one on one support. 

Reference Links

www.medicare.gov

Part D Late Enrollment Penalty

Medicare Enrollment Periods

COBRA Coverage

Neither Medicare Mindset LLC nor its agents are connected with the Federal Medicare program.

As we age, the likelihood of some level of hearing loss increases. Hearing aids are a natural solution to improve the situation.  But does Medicare help pay for hearing exams and hearing aids? Well, not Original Medicare. Original Medicare doesn’t cover hearing aids or exams for fitting hearing aids.  However, if you have an all-in-one Medicare Advantage plan, you could get some help.  

Some Medicare Advantage plans include extra benefits for hearing services, such as:

-A no-cost hearing exam

-Hearing aid discounts

-Annual allowances to purchase hearing aids

This could mean huge savings for Medicare beneficiaries with hearing loss.  We are seeing more and more competition in the Medicare Advantage marketplace for hearing services.  This is a positive development for Medicare beneficiaries, as they previously were required to pay up to $6,000-7,000 for a good pair of hearing aids on a cash-basis.  Now, their Medicare Advantage plan might pick up a significant chunk of the cost, or potentially all of it, depending on what you need.

So, what are some other options to buy hearing aids at a lower cost if you don’t have a Medicare Advantage plan and instead chose Original Medicare with a Medicare Supplement (Medigap) plan?

In this case, you’ll have to be more resourceful.  Some warehouse membership stores offer hearing aids at a significant discount.  And for many Medicare beneficiaries with hearing loss, the hearing aids offered there could be perfectly sufficient.  Some of these stores even offer product demos, hearing tests, follow-up appointments, cleanings, and check-ups at no cost. Additionally, there are hearing solution stores that have lower-priced hearing aids than the competition.  Again, it’s a matter of shopping around and getting recommendations from others.

At Medicare Mindset, we can offer our professional opinion and connect you with a few different outlets. We won’t let you pay over $6,000 when other more affordable options are available to you.

Reference Links

www.medicare.gov

Medicare & Hearing Aids

Medicare Advantage plans

Neither Medicare Mindset LLC nor its agents are connected with the Federal Medicare program.

I get this question often, “What’s the best way for me to pay for my Medicare Premiums?”

There are a few ways to pay for your Medicare Premiums, or your Part B and potentially Part D IRMAA premiums, depending on whether or not you’re receiving Social Security retirement benefits:

If you are receiving Social Security retirement benefits,

You’ll have an automatic deduction from your Social Security retirement benefits.

If you are NOT receiving Social Security retirement benefits,

You’ll receive a quarterly bill from Medicare and will need to choose from one of the following:

-Write a check

You can write a check for the balance due (payable to CMS Medicare Insurance), and mail it directly to the Medicare Premium Collection Center (P.O. Box 790355, St. Louis, MO 63197).

-Credit card or debit card payment

On the premium invoice, you have an option to enter your credit or debit card information. Be sure to add your signature to authorize the payment. Then mail the invoice to the Medicare Premium Collection Center at the address listed above.

-Pay through your bank’s online bill pay system

Just like any other bill you pay through your bank’s website, you can simply add CMS Medicare Insurance as an online bill payment. Use your Medicare Claim # as the account number. Your Medicare Claim # is listed on your Medicare card, as well as on the billing invoice.

-Medicare Easy Pay

This is a commonly underutilized option that automates monthly payments, rather than paying each quarter.  You will need to complete and return the Authorization for Pre-Authorized Payments form (SF-5510) to the Medicare Premium Collection Center (P.O. Box 979098, St. Louis, MO 63197).  ← NOTE: This is a different P.O. Box than the one for mailing premium payments.

It can take Medicare up to 6-8 weeks to process the paperwork. This means that by the time Medicare starts deducting your Medicare premiums, it could be 2 or 3 months’ worth to get caught up. After that, you’ll see monthly drafts out of your bank account, typically around the 20th of each month. To play it safe, you might want to consider paying the first quarterly invoice in full by one of the methods above while your Easy Pay paperwork is processing.

Note: Two Ways You CANNOT Pay Medicare Premiums, regardless of whether or not you’re receiving Social Security retirement benefits…

With cash or by phone.

Reference Links

www.medicare.gov
Medicare Easy Pay
Medicare Part B
IRMAA (Income Related Monthly Adjustment Amount) Premiums

Neither Medicare Mindset LLC nor its agents are connected with the Federal Medicare program.

Yes, some drugs are covered under Medicare Part B (medical/outpatient), but it’s only for certain prescriptions in limited situations.  This is not an exhaustive list, but we will hit some of the common situations in this post. Full details can be accessed at this link.

Typically, prescription drugs covered under Part B would be drugs given to you by a medical professional in an outpatient office setting, not including drug samples. So, keep in mind that if a medication is given to you via a piece of durable medical equipment (DME), such as a pump or nebulizer, it might be covered under Part B.

A perfect example of this is insulin administered through an insulin pump.  You would normally take this medication in the convenience of your own home.  The fact that it’s administered via the pump…the insulin, pump, blood sugar test strips, and blood sugar glucose monitors are all covered under Part B.  

Check out our previous post on Medicare Coverage for Diabetics for more information.

Some Medicare beneficiaries need routine drug injections or infusions in a doctor’s office.  If these injections or infusions are medically-necessary and a Medicare-covered service, they likely run through Part B.

If you have End-Stage Renal Disease (ESRD or kidney failure), there can be significant medical and drug costs associated with your care.  This is especially true after a kidney transplant as you may need to take transplant/immunosuppressive drugs for the rest of your life. Some of these immunosuppressive drugs are covered under Part B while others are covered under Part D.  This can be challenging when trying to determine your expected out-of-pocket costs when in this situation. Work with Medicare or your Part D Prescription Drug Plan to verify which immunosuppressive drugs are covered under Part B and Part D.

And don’t forget about vaccinations!  There are some vaccinations provided by Medicare Part B at no cost to you (Flu, Hepatitis B, Pneumococcal).  

Keep in mind: The Shingles vaccination is NOT covered by Part B, rather it’s a drug covered by your Part D Prescription Drug Plan, and will require a copayment.

If you need a drug not covered by Medicare Part B, don’t worry.  Check your Part D Prescription Drug Plan (or Medicare Advantage Plan that includes Part D) to see if it’s on the plan’s formulary list of prescriptions.

As you can see, the answer to “Are all prescription drugs covered under Medicare Part B?” isn’t simple.  But Medicare Mindset is here to help. Contact us to learn more.

Reference Links

www.medicare.gov

Medicare Prescription Drug Coverage (Outpatient)

Neither Medicare Mindset LLC nor its agents are connected with the Federal Medicare program.