Georgia Medicare Plans - Best Prescription Drug Coverage, Who Do You Trust?
Georgia Medicare Plans come in two basic varieties. When you start choosing the best Georgia Medicare Plans should you add Medicare prescription drug benefits? To find one of the best medication plans do you call Medicare? Will an insurance company or Georgia agent give unbiased advice?
With all the various option plans for drug coverage in Georgia, becoming confused about finding the best plan occurs often. Do you pick the plan that is endorsed by a large senior association? How about buying one of the plans you find on those nice commercials on TV?
Who do you turn to?
Maria's Efforts to Find an Affordable Prescription Drug Plan
Upon turning 65, Maria signed up for Medicare Part A and Part B. She also bought a popular supplemental policy F from a Georgia agent that was recommended by a dear friend and neighbor. This experienced agent took the time to explain all her options. Next he was showing her ways to save money by finding Maria the lowest premium plan with the best overall value.
Living on a fixed income and saving money is important to her. She asks Bob, the agent who helped her find an affordable Medigap plan, "what should I consider about Part D, prescription plans?"
Coming from the mouth of a GA agent, his answer totally surprises her. Bob tells Maria she should not talk to any insurance agent, nor call a carrier to speak with them. Although he suggests Medicare as a resource, he mentions there is a caveat. Maria should call the government, or go online and use Medicare's prescription drug finder.This site is laid out fair, along with being relatively simple to follow.
First find where you enter your Georgia zip code, then fill in the information on any prescription drug you currently take. You even are give the opportunity to enter the local pharmacy you use for filling prescription drugs. Once finished, you are presented with a complex list of plans providing coverage of eligible drugs in your area. But which one is best for you? Do you even need Medicare Part D drug benefits? Even if you use the government supplied resources you still did not find someone who knows your prescription drug history.
Your Local Georgia Pharmacist Knows Best
Bob suggests to Maria to take her complete list of medication drugs and talk with her pharmacist about which option is at the top. Next Bob gives this true statement of honesty. He says "agents offering Georgia prescription plans do not know as much about medication as a pharmacist." Also, he discloses that these reps are only allowed to discuss prescription drug plans for which they have been certified. Often the best of the available drug plans for you may be one your agent can not legally discuss.</P
Agents May Offer the Wrong Advice on Part D
When an agent recommends a "solution", is it right for you OR does it pay the agent the highest commission? Likewise, the people who work for Medicare are not qualified to discuss your medical history and find a plan right for you. Do you really want a government worker telling you which coverage to buy?
Your pharmacist is an unbiased resource. Your decision does not matter to him or her which you find to buy. You can conclude if you buy any plan at all. Who knows more about prescription drug plans: a GA insurance agent, a government worker or your pharmacist? <
With all the various option plans for drug coverage in Georgia, becoming confused about finding the best plan occurs often. Do you pick the plan that is endorsed by a large senior association? How about buying one of the plans you find on those nice commercials on TV?
Who do you turn to?
Maria's Efforts to Find an Affordable Prescription Drug Plan
Upon turning 65, Maria signed up for Medicare Part A and Part B. She also bought a popular supplemental policy F from a Georgia agent that was recommended by a dear friend and neighbor. This experienced agent took the time to explain all her options. Next he was showing her ways to save money by finding Maria the lowest premium plan with the best overall value.
Living on a fixed income and saving money is important to her. She asks Bob, the agent who helped her find an affordable Medigap plan, "what should I consider about Part D, prescription plans?"
Coming from the mouth of a GA agent, his answer totally surprises her. Bob tells Maria she should not talk to any insurance agent, nor call a carrier to speak with them. Although he suggests Medicare as a resource, he mentions there is a caveat. Maria should call the government, or go online and use Medicare's prescription drug finder.This site is laid out fair, along with being relatively simple to follow.
First find where you enter your Georgia zip code, then fill in the information on any prescription drug you currently take. You even are give the opportunity to enter the local pharmacy you use for filling prescription drugs. Once finished, you are presented with a complex list of plans providing coverage of eligible drugs in your area. But which one is best for you? Do you even need Medicare Part D drug benefits? Even if you use the government supplied resources you still did not find someone who knows your prescription drug history.
Your Local Georgia Pharmacist Knows Best
Bob suggests to Maria to take her complete list of medication drugs and talk with her pharmacist about which option is at the top. Next Bob gives this true statement of honesty. He says "agents offering Georgia prescription plans do not know as much about medication as a pharmacist." Also, he discloses that these reps are only allowed to discuss prescription drug plans for which they have been certified. Often the best of the available drug plans for you may be one your agent can not legally discuss.</P
Agents May Offer the Wrong Advice on Part D
When an agent recommends a "solution", is it right for you OR does it pay the agent the highest commission? Likewise, the people who work for Medicare are not qualified to discuss your medical history and find a plan right for you. Do you really want a government worker telling you which coverage to buy?
Your pharmacist is an unbiased resource. Your decision does not matter to him or her which you find to buy. You can conclude if you buy any plan at all. Who knows more about prescription drug plans: a GA insurance agent, a government worker or your pharmacist? <