It's that time again to review your health care plans.
Whether you have Medicare and a prescription plan or an all inclusive Advantage plan, check your selections. Changing plans ends this week.
The difference for 2025 is mainly drugs, but it's a big one. Previously, tier 3 drugs averaged a co-pay about $49, but now, co-pays have changed to 25% of the drug's cost. Example - Eliquis in tier 3 had a co-pay of $49 for me. 2025 my cost would be 25% of the drug's $600 a month cost, or $125, quite a difference. The ten drugs that will have a lower cost are not in effect in 2025, that starts in 2026.
The first amount is the new price in 2026, the second is the current price.
Even then, the 25% in tier 3 and up is higher than a co-pay, but hundreds of other widely used drugs are not lowered yet that many people need. The majority of plans are as such, very few still offer a co-pay for tier 3, and most all now have a +-$590 deductible.
The other big change which will help those with high drug costs is the death of the donut hole. Now, once you pay $2000 out of pocket, all is free. It's about time that Medicare seniors are given the same benefits of drug plans as those on commercial drug plans.
Single Care and GoodRx are great options and we pay less than with our drug plan. BUT. Generics only.
Hope everyone had a nice Thanksgiving. We are all struggling, can't seem to go anywhere without seeing items we routinely picked up for her, or make meals and recipes we shared. I think my brain is allowing reality to slowly enter because the dry cry is more frequent. Either way, you've all been through this, so I apologize for mentioning grief again.
I thought a little about stitching, but the eye bubble doesn't seem any smaller so it will be a while before I could anyway. Picking up my order at Kohls today brought an unexpected situation. My knee. Almost as bad as when using the chair, good thing hubs was there to help me. It has felt different since my fall, and I believe the damage from it has reared its head.
Can't see, can't walk, can't cry with no tears! Even bitching isn't as fun anymore. But I'll keep trying.
Be well, be safe. Getting closer each day to summer.
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