Choosing Medicare part D plans for those with Medigap policies.

Parent Cafe
1

I’ve been fortunate to not need any regular medications due to chronic conditions. But every year something different occurs. Maybe an infection, a reaction, surgery needing follow-up medications, etc. I have no clue what my medications might be next year, in order to help choose a drug plan.

I’ve been advised to choose the least expensive monthly premium. Instead, I tried researching different plans based on my prior drug needs & found some with slightly higher premiums, but significantly less drug costs – but based on former needs. Will those plans likely have lower costs for other drugs? Or is it totally random? Would I be throwing money away choosing the slightly higher premium without knowing which drugs might be needed?

I’ve read MD’s often choose plans based on what drugs they most often prescribe, but I don’t have that advance knowledge.

2

I take zero meds, so I purchased the lowest cost Part D available. Since I don’t have a crystal ball, it makes zero sense to me to plan on drugs most often subscribed (unless you have a common condition – which you would already know since you’d already be on meds).

But, I just had an injury, so I was excited to find out that one Rx was at zero copay, and second was only $1.65. (both generic pain meds, so it worked out)