Conley & Conley Insurance Solutions

Conley & Conley Insurance Solutions

Medicare Prescription Drug – Part D Coverage

Serving Sacramento, Auburn, Roseville, Rocklin, Placerville and Surrounding Areas in California

How Will Much Medicare Plans Cost?

Millions of Americans take prescription medication either to help them maintain their overall health or to treat a short-term illness. However, without the benefit of insurance, these medications can be expensive, especially those used to treat rare conditions.

On its own, standard Medicare will not cover most prescription drug costs. However, private health insurance benefits offered as part of the Medicare program create an easy way for patients to get this benefit. One of the most familiar is Medicare Part D, which is Medicare’s prescription drug coverage.

For assistance getting the Medicare prescription benefits plan that is right for you, call Conley & Conley Insurance at 888.802.0003 or request your free quote now!

Common Medicare Part D Questions

Original Medicare is the U.S. government’s taxpayer-supported health insurance program that makes up the foundation of the full Medicare system. It provides hospital insurance and medical benefits to qualifying Americans. However, it does not cover most prescription drugs.

To get these benefits you will likely have to look to the private insurance marketplace. Medicare regulations allow private insurers to sell qualifying prescription drug plans to Medicare patients.

The primary benefit is called a Medicare prescription drug plan, better known as Medicare Part D. You will buy these benefits separately from Original Medicare. However, they will still integrate with your Original Medicare benefits.

Multiple major insurers in California offer Part D benefits, and each will offer extensive coverage for both your everyday and specialty prescription needs. With Part D coverage, you can substantially reduce your personal cost burden for the medications that you might need.

Part D benefits must meet certain standards as set by Medicare law. However, insurers do have leeway to determine the other benefits that they will provide.

  • Your plan choices may be limited depending on the policies available in your area.
  • All Medicare prescription drug plans will include a formulary of the drugs that they cover, and each will use different methods to set the costs of each prescription.
  • You will have a copayment on most prescriptions. However, many of these will be nominal.
  • Plans also have coverage phases—initial coverage, the donut hole and catastrophic coverage—that you encounter based on how much you are spending on prescriptions. Your drug costs might vary depending on where you are in the plan cycle.
  • Most plans must give patients a choice of drugs. You can ask your doctor to appeal for coverage if your plan does not already cover a drug you need.
  • To receive optimized coverage and the lowest costs, you should use a pharmacy within your plan’s network.

You must have Original Medicare before you can qualify for a Part D plan. However, if you still qualify for prescription benefits through another health plan, such as from your employer or military benefits, then you might be able to use both plans to lower the costs of your prescriptions further. The two plans will work together, though which one is the primary payer, or the secondary payer can vary.

There are two times when you can qualify to enroll in Part D coverage:

  • The Medicare Initial Enrollment Period (IEP). This is a seven-month period that centers around your 65th birthday. It lasts from the first day of the month three months before your 65th birthday to the last day of the month three months after.
  • Medicare Annual Enrollment. This period occurs each year from Oct. 15 – Dec. 7. During open enrollment, you can either buy a Part D plan or upgrade your Original Medicare to a Medicare Advantage plan that offers you prescription drug benefits.

In certain cases, you can enroll in Part D coverage if you qualify for a special enrollment period.

Thank You For Your Interest In Conley & Conley Insurance Solutions

To begin your quote, use one of our quote forms.

When you would like to talk to one of our insurance professionals, call our office at 888.802.0003.

Get a Free Consultation!

Our team will then work diligently to provide you with an accurate and personalized quote tailored to your specific needs.

Google Reviews

Marie P.
Marie P.
2023-03-08
We have been extremely happy to have been working with Conley and Conley ever since we needed help with our medicare prescription questions and options. Kambree is enjoyable to work with as well as Sherri and David. We recommend them to others constantly.
Brett Stone
Brett Stone
2022-12-16
Conley and Conley are extremely knowledgeable and easy to understand. Also they are very patient and friendly.
Laura Truttman
Laura Truttman
2022-12-15
ALWAYS HEPLFUL AND KNOWLAGEABLE . GREAT TO HAVE THEM LOOKING OUT FOR US.
jim smith
jim smith
2022-12-11
I have used Conley & Conley for the last 7 years, they are very helpful in finding the correct company for our health care insurance. They are also a very friendly company, thoughtful and professional.
Nancy Hoffman
Nancy Hoffman
2022-11-10
I really appreciate the time and effort David and Sherri put into their work. They have gone over and beyond expectations . Thank you
Kent Guay
Kent Guay
2022-08-19
David and Sheri have always given me the very best Medicare coverage companies at the lowest price. I have recommended them to others.
Dan Calder
Dan Calder
2021-11-15
They are knowledgeable, very friendly, and explain all options very well. A pleasure to work with! Highly recommended!
Randy Rasley
Randy Rasley
2021-11-09
David and Sherry were both extremely responsive and helpful. They made the difficult process of choosing a good Medicare Plan much easier than I feared it would be. I felt they had my best interests at heart, and I felt that their recommendations were what they would have chosen for their family member. I absolutely recommend Conley Insurance.
Aman Chhokar
Aman Chhokar
2019-09-11
David is very experienced and knowledgeable. They understand your situation to provide a stable and secure insurance solution. They follow all of the changes and options for Medicare recipients and keep you current on all of the changes and how they effect you. Call them to find a company and plan to fit you!!!!!
John D
John D

I had a great experience working with Coastal Electric Service. They were prompt, professional, and completed the job quickly. I would definitely recommend them to anyone looking for quality electrical services.

Sarah R
Sarah R

Coastal Electric Service has been our go-to electrician for several years now. They always provide excellent service and are very reliable. Their prices are also very reasonable. I highly recommend them.

Mark T
Mark T

I had a complex electrical issue that other electricians couldn't seem to figure out. Coastal Electric Service was able to diagnose the problem quickly and fix it in no time. I am extremely satisfied with their service and would definitely use them again.

Emily L
Emily L

I recently had Coastal Electric Service install new lighting fixtures in my home. They did an excellent job and the new fixtures look amazing. The electricians were very professional and respectful of my home. I would definitely use them again for any future electrical needs.

Michael S
Michael S

I had an emergency electrical issue late at night and called Coastal Electric Service. They arrived quickly and were able to fix the problem in no time. I am so grateful for their prompt and professional service. I would definitely recommend them to anyone in need of emergency electrical services.

Gallery