Helping Medicare Recipients Choose the Correct Medicare Supplement Part D Plan
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Increased Savings

We work with a number of insurance providers and will recommend a Medicare part d plan that meets your specific requirements, including how to avoid the "Doughnut Hole if possible.

Part D is the Medicare supplement insurance plan for prescriptions as of May 2006. If you know your prescription expenses are higher than $2,250 before insurance is calculated, you must pay close attention to which Medicare supplemental Part D insurance plan you choose.


With the wide variety of plans to choose from, it's easy to make a mistake. Once you order a Medicare supplemental Part D policy, you cannot change it for a year, so we suggest consulting with one of our insurance specialists by filling the form below.

Squeeze every dime from Medicare Part D by getting the most suitable Medicare supplement plan for your personal needs. If your annual prescription costs go beyond $2,250 the Medicare supplement plan that you choose has great import. Our Medicare supplement specialists will be happy to help you find the best plan.

The estimates below show real estimated savings with the most basic of Medicare supplement plans, once all deductions have been calculated.


 

Medicare Supplemental Scenario One (A):

Total Annual Costs $1,500.00
Un-insured drugs $360.00
In this scenario, you have one medication un-insured
Insured Portion $1,140.00
Deductible $250.00
75% Savings On $890.00
Total Savings $667.50
Subtract $667.5 from $890.00 = $222.50
You Pay $222.50
Deductible + 250.00
Monthly (@ $35)
+ 420.00
Un-insured drugs + 360.00
Total Annual Costs $1,252.50

Subtract $1252.50 from $1500... Your real savings = $247.50 or 16.5%

Medicare Supplemental Scenario One (B):

Total Annual Costs $1,500.00
Un-insured drugs $0.00
In this scenario, you are fully covered
Insured Portion $1,500.00
Deductible $250.00
75% Savings On $1,250.00
Total Savings $937.50
Subtract $937.5 from $1250.00 = $312.50
You Pay $312.50
Deductible + 250.00
Monthly (@ $35)
+ 420.00
Un-insured Meds + 0
Total Annual Costs $982.50
Subtract $982.50 from $1,500... Your real savings = $517.50 or 35.5%

Medicare Supplemental Scenario Two (A):
Total Annual Costs $3,000.00
Un-insured Meds $1,200.00
In this scenario, you have two medications un-insured
Insured Portion $1,860.00
Deductible $250.00
75% Savings On $1,550.00
Total Savings $1,62.50
Subtract $1,162.5 from $1,550.00 = $387.50
You Pay $387.50
Deductible + 250.00
Monthly (@ $35) + 420.00
Un-insured Meds + 1,200.00
Total Annual Costs $2,257.50
Subtract $2257.50 from $3,000... Your real savings = $742.50 or 24.7%

Medicare Supplemental Scenario Two (B):

Total Annual Costs $3,000.00
Un-insured Meds $0.00
In this scenario, you are fully covered
Insured Portion $2,250.00
Deductible $250.00
75% Savings On $2,000.00
Total Savings $1,500.00
Subtract $1,500.00 from $2,000.00 = $500.00
You Pay $500.00
Deductible + 250.00
Monthly (@ $35) + 420.00
Doughnut Hole + 750.00
Total Annual Costs $1,920.00
Subtract $1,920 from $3,000... Your real savings = $1,080.00 or 36%

Medicare Supplemental Scenario Three (A):
Total Annual Costs $4000.00
Un-insured Meds $1700.00
In this scenario, you have two medications un-insured
Insured Portion $2,250.00
Deductible $250.00
75% Savings On $2,000.00
Total Savings $1,500.00
Subtract $1500.00 from $2000.00 = $500.00
You Pay $500.00
Deductible + 250.00
Monthly (@ $35) + 420.00
Un-insured Meds + 1,700.00
Doughnut Hole + 50.00
Total Annual Costs $2,920.00
Subtract $2,920.00 from $4,000... Your real savings = $1,080.00 or 27%


Medicare Supplemental Scenario Three (B):

Total Annual Costs $4,000.00
Un-insured drugs $0.00
In this scenario, you are fully covered
Insured Portion $2,250.00
Deductible + 250.00
75% Savings On + 2,000.00
Total Savings $1,500.00
Subtract $1,500.00 from $2,000.00 = $500.00
You Pay $500.00
Deductible + 250.00
Monthly (@ $35) + 420.00
Un-insured drugs + 0.00
Doughnut Hole + 1,750.00
Total Annual Costs $2,920.00
Subtract $2,920.00 from $4,000... Your real savings = $1,080.00 or 27%


These calculations are estimates only, and meant to help provide a realistic overview of actual savings with the most basic Medicare supplement policies. Please consult a Medicare part D specialist.
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