Maine Medicare Part D Plans
Compare Maine Medicare Part D plans
There are 28 stand-alone Part D plans available in Maine for 2012. Part D plans available in Maine have major differences in benefits and doing your research can mean the difference between having adequate coverage or not.
Too often a plan is chosen based on premium alone or because it was recommended by a well intentioned friend or family member. But this is a case where the lowest premium doesn’t always mean the least annual out-of-pocket costs and there is no one size fits all plan.
The problem with comparing plans is finding all plans listed side by side with a orderly breakdown of features. Even the search results for Part D plans at medicare.gov leave you scratching your head when trying to compare features.
The following list of Medicare drug plans available in Maine gives you information you’ll need to narrow your search. Compare; premiums, deductibles, plan type (basic or enhanced), gap coverage and Medicare Star ratings. When you have found plans that meet your general criteria, visit plan websites to research formularies, pharmacy networks and mail order options.
Maine Part D
Anthem Blue Cross and Blue Shield
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| Blue MedicareRx Plus (PDP) | Enhanced | $60.80 | $0 | Some Generics | 2.5 |
| Blue MedicareRx Premier (PDP) | Enhanced | $107.40 | $0 | Many Generics and Some Brands | 2.5 |
| Blue MedicareRx Standard (PDP) | Basic | $32.80 | $320 | No Gap Coverage | 2.5 |
SilverScript Insurance Company
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| CVS Caremark Value (PDP) | Basic | $40.50 | $320 | No Gap Coverage | 3 |
| CVS Caremark Plus (PDP) | Enhanced | $79.00 | $0 | No Gap Coverage | 3 |
CIGNA Medicare Rx
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| CIGNA Medicare Rx Plan One (PDP) | Basic | $26.80 | $320 | No Gap Coverage | 2.5 |
Medco Medicare Prescription Plan
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| Medco Medicare Prescription Plan – Value (PDP) | Basic | $41.90 | $320 | No Gap Coverage | 4 |
| Medco Medicare Prescription Plan – Choice (PDP) | Enhanced | $72.90 | $150 | Many Generics | 4 |
Health Net
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| Health Net Value Orange Option 2 (PDP) | Enhanced | $67.10 | $0 | No Gap Coverage | 3 |
| Health Net Orange Option 1 (PDP) | Basic | $39.10 | $320 | No Gap Coverage | 3 |
United American Insurance Company
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| United American – Preferred (PDP) | Enhanced | $47.70 | $110 | No Gap Coverage | 2.5 |
| United American – Select (PDP) | Basic | $40.20 | $320 | No Gap Coverage | 2.5 |
First Health Part D
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| First Health Part D Premier (PDP) | Basic | $34.20 | $250 | No Gap Coverage | 2.5 |
| First Health Part D Value Plus (PDP) | Enhanced | $24.90 | $0 | No Gap Coverage | 2.5 |
| First Health Part D Premier Plus (PDP) | Enhanced | $87.00 | $0 | Some Generics and Some Brands | 3 |
Community CCRx PDP
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| Community CCRx Basic (PDP) | Basic | $27.20 | $320 | No Gap Coverage | 3 |
| Community CCRx Choice (PDP) | Enhanced | $90.10 | $0 | No Gap Coverage | 3 |
Aetna Medicare
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| Aetna CVS/pharmacy Prescription Drug Plan (PDP) | Basic | $26.00 | $320 | No Gap Coverage | 2.5 |
| Aetna Medicare Rx Premier (PDP) | Enhanced | $90.10 | $0 | Many Generics | 2.5 |
UnitedHealthCare
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| AARP MedicareRx Preferred (PDP) | Basic | $33.10 | $0 | No Gap Coverage | 3 |
| AARP MedicareRx Enhanced (PDP) | Enhanced | $89.20 | $0 | Some Generics | 3 |
Humana Insurance Company
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| Humana Enhanced (PDP) | Enhanced | $44.70 | $0 | No Gap Coverage | 3 |
| Humana Walmart-Preferred Rx Plan (PDP) | Basic | $15.10 | $320 | No Gap Coverage | 3 |
HealthSpring Prescription Drug Plan
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| HealthSpring Prescription Drug Plan -Reg 1 (PDP) | Basic | $31.40 | $320 | No Gap Coverage | 2.5 |
WellCare
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| WellCare Signature (PDP) | Enhanced | $45.60 | $0 | No Gap Coverage | 3.5 |
| WellCare Classic (PDP) | Basic | $31.00 | $320 | No Gap Coverage | 3.5 |
EnvisionRx Plus
| Medicare Part D Plan Name | Benefit Type | Premium | Deductible | Gap Coverage | Star Rating |
|---|---|---|---|---|---|
| EnvisionRxPlus Silver (PDP) | Basic | $29.80 | $320 | No Gap Coverage | 2.5 |
| Rite Aid EnvisionRxPlus (PDP) | Enhanced | $69.40 | $0 | Some Generics | 2.5 |
Why the Part D formulary is key
The simple truth is that no matter how low the premium or how convenient the pharmacy network, if your drugs are not covered, you have made a poor choice. A plan’s formulary is the list of covered drugs. Plan formularies can vary widely. Even within a specific plan type (enhanced for example) you can find significant differences in which drugs are covered and which are not.
After you have narrowed your list to criteria which is important to you ( gap coverage or a certain Star rating for example) you should visit each plan’s website to complete your research.
After you have found plans that include your required medications, you should compare drug tiers between plans for your specific drugs. Not all drugs are placed in the same tier, which can impact your out-of-pocket costs. The Part D formulary will also list any drugs that are covered in the donut hole.
A Part D plan available in Maine will allow you to fill your prescriptions if you travel to another State, so it’s also important to learn about the pharmacies that are in-network. Also, compare mail order options and check to see if any plans include any ancillary benefits such as discounts on health and wellness products and services.
Did you enjoy this post? Why not leave a comment below and continue the conversation, or subscribe to my feed and get articles like this delivered automatically to your feed reader.
Comments
No comments yet.
Leave a comment