I downloaded my drug summary from Walmart. I added the costs for Oct. Nov. and Dec. 2024. Total $1212.33. That's my total out of pocket for 2024.
Now, for 2025 I will have a $325 upfront drug co-pay and medication will cost more so my total cost for the year will be $1706.48, that's almost $500 MORE. What the hay is going on? All this talk of no more donut hole and drug cost being capped at $2000 per year and oh woopie insulin is only $35 a month. Well, fine. But I have never had insulin or drug costs more than $2000 per year. Why do I have to pay $500 MORE? I looked at "Extra Help". Income limit for a family of 2 is $30,660. That in itself is a joke. I would already need to be on Section 8 and Medicaid for us to have an income that low. The best I can do is use their new plan that doesn't save you a feakin dime but lets you spread their outrageous costs throughout the year. Lower drug costs my ass.
I am so sick and tired of being kicked down and down and down by this economy.
5 comments:
I went with Traditional Medicare and got a Plan G supplement through AARP/United Healthcare. I also got my Rx plan through AARP/United Healthcare. Have you checked them?
I checked and there is no way I can afford traditional Medicare and then an additional part D. I would need to pay between $136 to $200 for the plan, then an additional monthly payment for part D, then my medications would cost even more than they will with my plan. So I guess I should just bite the bullet. My monthly premium is $0, deductible for medication is $325, but they are making me pay more for my medication this year, which is stupid because they are supposed to be making it more affordable.
*More for next year
I wanted to add, when I first got Medicare in 2015 I had plan F. It paid for literally everything but I still bought a Medigap plan and part D. It was fine for awhile but each year it got more and more expensive. In 2022 I switched to Medicare Advantage.
I understand that many people go with Medicare Advantage because it is cheaper up front. I would have gotten a Plan F but it was discontinued by the time I was eligible. Plan G is the same as F except it doesn't pay the monthly premium for Traditional Medicare Part B. That's the only difference. I think with Medicare, my supplement and my drug plan, I pay less than $400/month. I know that's not for everyone, but it's been great for me and I can see any provider that takes Medicare - and if they take Medicare, they have to take your supplement. I'm sure you know this, but there is no in/out of network with Traditional Medicare. All that being said, I'm sorry that the changes are not good for you. With everything else on your plate at the moment, it's just one more thing you didn't need to be worrying about. :-(
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