Does $50/mo sound right for a Medicare Part D

[Ilsa]

premium? It's at least double what I paid in 2024.
I don't take a lot of drugs, all generic:
Synthroid, Bupropion, sertraline, clonazepam, HCTZ.
I'm going through the Medicare.gov site.

[msongs]

1. for $50 what extra benefits are you getting over regular medicare nt

[MichMan]

2. Part D

Not included in standard medicare

[Ilsa]

4. Thank you. Is what I relayed in Reply 3 still true

about the penalty?

[Ilsa]

3. I have parts A&B. This is the drug plan.

And while I don't have a lot of expensive drugs, that could change in the future. Plus, I've heard that you pay a penalty in premiums for every year you are not enrolled.

[XanaDUer2]

5. That's about mine

[Ilsa]

8. thank you. nt

[XanaDUer2]

10. I have traditional Medicare

I called and found a UHC policy. I should have seen of i can find another one, but I'm going through a lot right now and don't want to add anymore complex chores to my life. I called Medicare if i remember and went from cheapest policy up. I choose the approx $50 one.

[1WorldHope]

6. Whatever state you live in, you should have a SHIIP office.

It's a state wide program where they help you navigate which plans work best for you. SHIIP stands for Senior health insurance program. It's free and very good.

[Deuxcents]

7. I don't pay anything for Part D but am enrolled with _____. I don't think I'm allowed to say here.

I also take a generic for cholesterol and pay 2.40 for 90 day supply. The Synthroid I take is a brand name so no help on that one. Generic thyroid meds did not work out for me years ago.if I can say who I’m enrolled with let me know..

[Silent Type]

9. That's about what mine is. There are cheaper plans. But even if you find one that covers all your current meds,

will it cover any new med you might need?

Plans have gone up a bit this year for a number of reasons, including the new cap on out-of-pocket costs (which was a huge Biden accomplishment).

[Janeyre]

11. Well i feel like a fool.

I pay a fortune monthly to united healthcare(yep ) because I'm afraid I will need an expensive drug in the future. Been on this plan since 2018. Never used it once. I'm very healthy. And I am a fool.

[CurtEastPoint]

12. no, you are not. It is criminal this whole Medicare process is SO complicated, involved, screwy.

[Janeyre]

15. 🙂

[Random Boomer]

22. Wait, what?

You'd be far better off getting a really cheap plan now. If your situation changes, then you update to a different plan at the next annual open enrollment.

This comparison tool (see link below) helped me find a plan for $10 a month, whereas my wife pays $95/month because she needs much more expensive drugs. As her situation changes (usually for the worse), we just review it every year and adjust as needed.

https://www.medicare.gov/plan-compare/#/?year=2025&lang=en

[nature-lover]

13. Check with your pharmacy if the insurance plan or a discount card is cheaper.

For one of my Rx, I saved $60. by asking for a discount card price. Pharmacies don't tell you unless you ask for the discount price. They automatically use your insurance first. You have to ask for each prescription.

[Kali999]

14. checking into wellcare

The Value Script is 50 cents a month. If you dont take a lot of drugs it might work for you. Tier one and two has no copay.
I think it has a 240 deductible. Not sure if you have to get oks for all drugs. I need more info too. https://www.reddit.com/r/medicare/comments/1duqpcy/thoughts_on_wellcare_part_d_plans/ https://www.reddit.com/r/medicare/comments/1g1kmel/wellcare_vs_cigna_for_medicare_part_d_2025/

[Kali999]

16. Cigna

I got a supplemental through them and they quoted me 33 dollars for part d. Also cheaper supplements.

[SheltieLover]

17. Dunno. There is one plan that is $0.00 (no cost)

but depends upon your drugs. The 2 I take are fully covered with no co-pay.

[choie]

18. You might be eligible for the Low Income Subsidy

Also known as ExtraHelp, which may help to lower the cost of your Medicare Part D. I assist older adults in applying for benefits as part of my work, if you'd like more info please let me know!

[SharonClark]

19. Definitely contact your SHIIP office.

I use an independent agent and check in with her every year. My part D went way up for 2025 with my current insurance company. She found me a reliable part D insurance company and it actually went down to almost nothing. It pays to shop around.

[Blue Dawn]

20. My husband and I both have the same drug plan.

My monthly premium is $59.60 and his is $35.60.

I have been searching for another plan but hate the process.

[Random Boomer]

21. There is no standard cost for Part D coverage

I pay $10/month and my wife pays more like $95/month. I have a lot of prescriptions, but they are for common and widely prescribed drugs like lisinopril and levothyroxine. She, on the other hand, has quite a few much more expensive drugs for autoimmune disorders.

To figure out which policy best covers each of us, I used the Medicare comparison tool. You enter which prescriptions you're using, then it generates the top couple of policies that cover those drugs for the least cost. Some are higher monthly costs, but no deductible. Others are cheaper monthly, but higher deductible. Find the one that best suits your financial situation.

You can change the plan every year during open enrollment, so if you go on new meds, you can shop for a different coverage policy the next time around.

https://www.medicare.gov/plan-compare/#/?year=2025&lang=en