I’m not old enough for Medicare, but my husband is studying Plan D options. His broker suggested he switch from a Humana plan to Wellcare, based on his list of regular meds (all generics). But we are trying to figure out the “risk” to doing so if he needs to start using a different pricey med.
I thought with the new cap it would mean $2000 max out of pocket. But it seems that is only true if it is one of the “covered med” (Wellcare formulary). I’m aware there are tools to check meds, but we are concerned about the What If situation of expensive unknown… the usual reason for insurance. The saving grace is that you can change Plan D choice each year (though it could be a pain to switch multiple prescriptions)/