Save on Medicare Part D

Soaring Drug Costs

Soaring drug prices have grabbed headlines over the past couple of years, including the skyrocketing cost of an AIDS drug from $13.50 to $750, EpiPen’s massive hike, the spike in insulin costs, and the escalation of the costs of other lifesaving treatments. In these days of sky-high drug costs, Medicare recipients, particularly the 90% on a fixed income, are looking to get their prescription drug costs under control.

So, if you have a Medicare Part D prescription drug plan, what can you do to get your costs under control? Here are some tips for “what if” situations.

Medication Not Covered by Your Part D Plan?: Tip #1

What if you have a medication that is not covered by your Medicare Part D prescription drug plan? In that case, you can use a prescription drug discount card to help out. While you cannot use a discount card in conjunction with a Part D plan, you can use it on a medication or two (or three, etc.) which is not covered by a Part D plan. (In other words, you can’t have two things (such as a plan and a discount card) paying for the same medication.) There are a few of these cards on the market, but if you email us (hello@claeysgroup.com) your name and address (put “Discount Card” in the subject line), we will mail you the best Discount card, absolutely FREE of charge. There is absolutely no obligation to use the card, however, our clients report average savings of 60% – 70% with this card—at participating pharmacies such as Walmart, CVS, and Kroger. Even if those aren’t your preferred pharmacy, wouldn’t it be worth bringing along the next time you fill your prescription? This Free Tool is available to anyone, regardless of coverage status (or lack thereof)!

Medication Not Covered by Your Part D Plan?: Tip #2

Another approach to take if you have a medication that is not covered by your Part D prescription drug plan is to ask your doctor to make an appeal to your Part D drug plan. If your doctor demonstrates to your drug plan that your uncovered medication is necessary for you (such as, if you have tried other medications and found they did not do what your uncovered medication does for you), oftentimes your Part D drug plan will make an exception and cover your medication. However, even if it does, some Part D plans have a rule that an exception medication will be covered at a tier 4 level. (Tier 4 is the second most expensive tier, with tier 5 being the highest.)

Medication Not Covered by Your Part D Plan?: Tip #3

Finally, if you have a medication not covered by your Part D drug plan, you can ask your doctor to prescribe a medication that IS covered by your plan. But, as you are well aware, not all medications are created equal, meaning that even if your doctor can come up with a medication of a similar classification that is covered by your Part D prescription drug plan, that doesn’t mean it will work well for you. If not, see my tips above.

23 Plans: Tip #4

Even if all of your meds are covered by your Part D drug plan, you could still have significant out-of-pocket costs from your medications, such as high deductibles, copays, etc. This is where it pays to have an agent who will shop your medications with ALL of the drug plans available. For example, in East Texas, there are currently twenty-three Part D prescription drug plans available; and they are all different from one another. You could literally shop one medication with these plans and get twenty-three different results—different premiums, deductibles, and copays. The point is: It pays to shop. Don’t settle for the same plan year after year when, by shopping, you could potentially save a significant amount of money.

Keep in mind that the best plan for you is determined by the combination of medications you are taking. If your combination changes—that is, if your doctor eliminates from, or adds to, your list of medications—then the best plan for you changes. In addition, Part D plans change from year to year. So, the moral of this story is: It pays to shop your medications each year.

Avoid This Mistake: Tip #5

By the way, don’t make the mistake (as many Medicare recipients do) of simply choosing the plan with the lowest premium. That could be a major mistake. Oftentimes, the lowest premium Part D plans do fine with tier 1 medications but do not do well with tier 2, 3, and 4 medications. So, while saving premium dollars on a plan like that, you may be way overpaying on your copays.

“Recruit” an Annual Shopper: Tip #6

Based on this background, here is another tip: Get with a reputable insurance agency who will shop your medications for you. Most agents don’t want to shop your medications as it doesn’t pay for them to do so. However, there are a few agents who would be willing to shop your meds if you get a Medicare supplement with them. Even if you have a supplement currently, it may even pay for you to pay a couple of dollars more per month in premium in order to “hire” an agent who will shop your medications for you year after year. (This is another area in which Claeys Group Insurance spoils its clients.)

Don’t Forget the Obvious: Tip #7

Finally, don’t forget that many medications have a generic equivalent that could save you money. If you are taking medications that have generic equivalents, why not try the generics? If they work as well, why take the name brands? In most cases, you shouldn’t notice a difference between the name brand and its generic. Switching to generics could save you a lot of money on an annual basis.

Save on Medicare Part D

Hopefully, these tips will enable you to begin saving money on your prescription drug costs. We hope so, as we at Claeys Group Insurance are all about saving our clients the most money possible.


January ShubertJanuary Shubert
13:50 08 Apr 24
Excellent customer service. Professional and knowledgeable. Received what I needed and wanted at a reasonable price.
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23:05 05 Apr 24
John is a great person first. As an agent he is very knowledgeable of the products and services he offers. For every question I had, he provided answers and solutions. I am very comfortable with him and if you need a capable agent, please contact John Claeys.
Rosa MartinRosa Martin
21:53 05 Apr 24
John is a very knowledgeable person in his profession. He has helped my husband, my sister, and myself to find the best affordable insurance for each of us…He made navigating through Medicare a breeze for me. He is willing to help in any way and any time of the day.Thank you John for all your help.
Johnny CoffmanJohnny Coffman
16:33 05 Apr 24
He explained the ins and outs of how Medicare works and clarified the confusion. Highly recommend John Claeys!
Mark BleuerMark Bleuer
22:48 03 Apr 24
John is very professional and courteous. His knowledge and attention to detail is exemplary. I can highly recommend Claeys Group Insurance. He does a great job.
sheila Rhynesheila Rhyne
14:58 03 Apr 24
I have had excellent customer service.Claeys insurance company has helped me for several years now and he does a wonderful job setting me up with the right insurance that fits my needs .I really appreciate the job he does and Thank you again.
Scott GillScott Gill
00:34 03 Apr 24
Highly professional with attention to detail. Felt like John was genuinely interested in matching my needs to the various options.
Karen DeemKaren Deem
21:02 02 Apr 24
John was very pleasant and professional. Medicare can be very confusing. He had all the answers for me.
Beth HamillBeth Hamill
17:52 02 Apr 24
I am so thankful for John's help and kindness...he explains everything so clearly and I feel confident that he is truthful and finding the best plan for me.
Margie FisherMargie Fisher
22:38 13 Feb 24
My husband and I have used John's services for several years, as do many of our friends. At no time has his recommendations let us down. He is kind, patient in making sure we understand our choices and was there for any and all questions afterwards. He would be our ONLY choice when it's your turn to use his insurance services. He will not let you down. What a professional! 🙂
Jerry JonesJerry Jones
02:27 08 Feb 24
John was very helpful in guiding me through the medicare choices. He explained everything thoroughly and answered all my questions.
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Judy CraftonJudy Crafton
20:54 07 Feb 24
Mr. Claesy, was a pleasure to work with on just a short time table, my not paying attention to dates for Medicare changes! We really appreciated his response and meeting personally with us. We highly recommend him for your insurance needs. Thanks again for doing a wonderful service.
Dannie SkipperDannie Skipper
20:50 07 Feb 24
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KevinKevin
14:47 24 Jan 24
John is a very knowledgeable subject matter expert and is thorough in his approach. He takes time breaking down and explaining what can be a somewhat complex subject and helps makes it easier to understand! John always has the best interests of his clients guiding his recommendations. We have found John's advice to be extremely helpful and would recommend him to anyone seeking health insurance.
Laura BogenschutzLaura Bogenschutz
18:06 21 Jan 24
John Claeys is the best! He has helped my husband and I tremendously with our Medicare and supplement coverage! He breaks it down to where you can understand it! We would be so confused without John!! Thank you John for being there for us!!
Thompson FamilyThompson Family
15:46 18 Jan 24
John Claeys is one of the most knowledgeable individuals on Medicare and supplemental insurance plans you can ever find. Not only is he very personable he also stays involved from year to year to ensure you have the best policies for your current needs.
Ingrid FauskeeIngrid Fauskee
23:21 17 Jan 24
I just got a Medicare plan through John Claeys. I was getting a lot of mail about Medicare and was so confused. Some friends told me about John so I emailed him and he contacted me right away.. He was amazing! He went through everything with me, he explained every detail and was so patient with all my questions . So grateful to him for all he did. Thank you John.😁
John Claeys helped me understand the in's and out's of Medicare. He found the best insurance and prescription plan to best suit my needs at an affordable price.Thank you John!Laurie Boriskie
Marsha AllenMarsha Allen
16:55 24 Oct 23
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