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Medicare prescription drug plans (PDP) in Pennsylvania provide quality coverage for Seniors. The different types of drugs are preferred generic (Tier 1), generic (Tier 2), preferred brand (Tier 3), non-preferred drug (Tier 4), and specialty (Tier 5). Prescription benefits are available through Medicare Advantage plans, or separate Part D coverage. All plans publish their specific covered drugs (formulary), which should be reviewed before enrollment, which is voluntary. Available pharmacies should also be considered. A unique ID is provided for each plan.

After you compare 2024 options and choose the specific plan you prefer, enrollment can be easily completed online, by phone, or through the mail. You will be required to provide your ID number (found on your Medicare Card), and the dates that your Parts A and B coverage began. If you have existing prescription drug benefits, you may not want to enroll in an Advantage plan. AARP, Aetna, and many carriers offer consumers multiple choices. MA-PD (Medicare Advantage plans with drug benefits) are also offered.

26 PDP plans are offered including 5 plans with a $0 deductible. 16 plans are  enhanced (EA) and 10 plans are basic (DS, AE, and BA). The least expensive $0 deductible plan costs $71.40 per month (Wellcare Medicare Rx Value Plus). The range of monthly rates is $5.20 (least expensive) – $192.60 (most expensive). Six plans offer premiums that reduced this year and the average monthly rate of all plans is $59.17. Also, all Aetna  plans are under WellCare.

The five $0 deductible plans are Wellcare Medicare Rx Value Plus, SilverScript Plus, SecureRx – Option 1, AARP Medicare Rx Preferred, and Blue Rx PDP Complete. Six plans lowered their rates, while eighteen plans increased rates. The average monthly increase was $8.66.

 

Penalty, Out-Of-Pocket Expenses, And Star Ratings

If you do not enroll during the time you initially become eligible, a late enrollment fee may be applied. The extra premium is added to your regular payment if you have a 63 day lapse in benefits. The penalty applies if you go without a Part D plan, a Part C plan, or another plan that provides coverage, or a “credible” plan. The penalty (national base beneficiary premium) is $32.74 times the number of full uncovered months. Members are always notified if they owe a penalty. Reconsideration of decisions are completed within 90 days.

The penalty can increase each year. You may request a reconsideration if you don’t agree with the penalty. A completed form is required to be received within 60 days from when you received official notification. Written proof should be submitted with your form.

The program was created by Federal Medicare Prescription Drug Improvement, and Modernization Act (MMA) of 2003. The MMA also created subsidies and tax breaks to help lower-income households obtain benefits. Under the program, the SSA determines if an individual that is eligible for Part D benefits qualifies for a subsidy with income up to 15% of the Federal Poverty Level guidelines. Information may also be provided by the Office of Child Support Enforcement or the Department of Veterans Affairs.

Your out-of-pocket costs consist of the premium you pay, the annual deductible (if applicable), coinsurance, copayments, coverage gaps, and late enrollment fees (if deadline is missed). Using drugs that are on your plan formulary list will reduce your costs. Utilizing pharmacies inside your carrier’s network will also save money. Households with limited income may be eligible for financial assistance.

The 2024 deductible is $545 (up from $505 last year) and the total covered Part D drug out-of-pocket spending (including the coverage gap) is $11,477.39 (Total covered Part D spending for out-of-pocket threshold for beneficiaries). At this point, catastrophic coverage begins. The initial coverage limit is $5,030 and out-of-pocket threshold is $8,000.

 

Extra Help And Star Rating

“Extra Help” is offered if the household income is $21,870 (one person), or $29,580 (couple). The amount of resources may also impact eligibility. $16,600 in resources is allowed for a single person, and $33,240 is allowed for a married couple. Resources include funds in savings money market, and checking accounts, stocks, and bonds. Vehicles, homes, furniture, household items, and up to $1,500 for burial expenses are not included.

Applicants that qualify for Extra Help will pay $0 for their drug plan premium. The deductible is also $0 with a lower amount for generic and brand-name prescription drugs. Once qualified for benefits, there is no need to re-apply the following year.

Documents can be sent directly to your plan. Examples include a green or yellow enrollment notice, an orange notice indicating the premium will change the following year, a purple notice that informs you that you have qualified, and a “Notice Of Award” from Social Security. Proof of Medicaid is provided with a state document, Medicaid card, Medicaid systems screen shot, and copy of state electronic file.

Medicare utilizes a star rating system to measure the performance of Part D plans. The highest rating is 5 stars, and the lowest possible rating is 1 star. Ratings are a valuable tool that helps consumers rate plans. Every year, ratings and reviews are updated to reflect current changes. The four rating categories are: Drug pricing and patient safety, member experience with the plan, member complaints, service problems and issues, and deciding to leave the plan, and customer service and relations.

If other benefits are in effect, it is important to understand the impact it will have on any new coverage. For example, benefits through TRICARE, your employer, the VA, or a special agreement with a drug manufacturer may be impacted by your choice of coverage. Also, if you receive your drugs through Medical Assistance, you must enroll in a Part D plan. Other insurance plans that work with Part D benefits include food stamps, Marketplace plans, COBRA, Medicaid, Long-term care facility, HUD assistance, Group and union benefits, and SS income benefits.

 

The Donut Hole

Once $4,660 (increased from $4,430) has been spent on drugs and the policy deductible, you are in the coverage gap (Donut Hole). Temporarily, there may be specified limits and out-of-pocket expenses on benefits. Brand name prescription drugs will be capped at 25% when you purchase them at a pharmacy or utilize mail-order options. However, 95% of the price and 70% of the company discount count towards the $4,660. The out-of-pocket threshold is $7,400, an increase of $350 from last year. Total estimated covered Part D drug out-of-pocket spending is $11,206.28.

 

80% of the cost of generic drugs is covered by Medicare, leaving 20% of the cost for consumers. However, only the amount paid is credited towards the “Donut Hole.” Coinsurance, copays, the deductible, and brand-name drug discounts count towards the coverage gap. Your cost of uncovered drugs, the plan premium and pharmacy dispensing fee are not counted.

 

Pennsylvania Prescription Assistance Programs For Older Adults

PACE – Applicants must be 65 years old or older, and lived in the Keystone State for at least 90 days prior to the application date. You also can not be receiving Medicaid prescription benefits. If single, income must be $14,500 or less. If married, household income must be $17,700 or less.

PACENET – Requirements are the same as PACE, except single income can be between $14,500 and $27,500, and married income can be between $17,700 and $35,500.

 

LIS Benchmark Premium

This premium is the maximum Medicare Part D premium that is paid by CMS for applicants that qualify for the “Extra Help” program or LIS (low-income subsidy). In Pennsylvania, if the premium is higher than $40.74 per month, the beneficiary pays the difference in premiums.

Shown below are all available  Pa Medicare prescription drug plans offered. Premiums, deductibles, and copays are subject to change each year. CMS plan ratings apply to all plans. Five ratings are available. 5 stars (excellent), 4 stars (very good), 3 stars (good), 2 stars (fair) and 1 star (poor). A customer-service rating is also provided. “Member plan experience” indicates how available drugs are to covered members. New plans may not have a rating yet. These are “stand-alone” plans and are not designed to replace Parts A and B.

Humana Walmart Value Rx Plan – $41.60 monthly rate with $545 deductible (Tiers 1 and 2 not subject to deductible). 3,175 formulary drugs available. Preferred 30-day drug copays are $0 (Tier 1), $1 (Tier 2), 16% (Tier 3), 50% (Tier 4), and 25% (Tier 5). Preferred 90-day drug copays are $0 (Tier 1), $3 (Tier 2), 16% (Tier 3), 50% (Tier 4), and n/a (Tier 5). Preferred 90-day mail-order drug copays are $0 (Tier 1), $3 (Tier 2), 16% (Tier 3), 50% (Tier 4), and n/a (Tier 5). 3.0-Star CMS Overall Star Rating. Plan ID is S5884-185. 42,982 Pa residents are enrolled in this plan. 1,122,454 persons in the entire US are enrolled in this plan. $0 premium not available if full LIS benefits. Some additional gap coverage. Plan Formulary drugs include 232 in Tier 1, 657 in Tier 2, and 680 in Tier 3. CMS Region 06.

Humana Basic Rx Plan – $45.30 monthly rate with $545 deductible. 3,157 formulary drugs available. Preferred 30-day drug copays are $0 (Tier 1), $1 (Tier 2), 23% (Tier 3), 42% (Tier 4), and 25% (Tier 5). Preferred 90-day drug copays are $0 (Tier 1), $3 (Tier 2), 23% (Tier 3), 42% (Tier 4), and n/a (Tier 5). Preferred 90-day mail-order drug copays are $0 (Tier 1), $0 (Tier 2), 15% (Tier 3), 30% (Tier 4), and n/a (Tier 5). 3.0-Star CMS Overall Star Rating. Plan ID is S5884-104. 26,302 Pa residents are enrolled in this plan. 860,473 persons in the entire US are enrolled in this plan. $0 premium is available if full LIS benefits. No additional gap coverage. Plan Formulary drugs include 209 in Tier 1, 639 in Tier 2, and 713 in Tier 3. CMS Region 06.

Humana Premier Rx – $106.70 monthly rate with $100 deductible. 3,250 formulary drugs available. Preferred 30-day drug copays are $1 (Tier 1), $4 (Tier 2), $45 (Tier 3), 49% (Tier 4), and 31% (Tier 5). Preferred 90-day drug copays are $3 (Tier 1), $12 (Tier 2), $135 (Tier 3), 49% (Tier 4), and n/a (Tier 5). Preferred 90-day mail-order drug copays are $0 (Tier 1), $0 (Tier 2), $125 (Tier 3), 49% (Tier 4), and n/a (Tier 5). 3.0-Star CMS Overall Star Rating. Plan ID is S5884-152. 30,853 Pa residents are enrolled in this plan. 740,389 persons in the entire US are enrolled in this plan. $0 premium not available if full LIS benefits. Some additional gap coverage. Plan Formulary drugs include 279 in Tier 1, 554 in Tier 2, and 708 in Tier 3. CMS Region 06.

AARP Medicare Rx Walgreens from UHC – $68.50 monthly rate with $410 deductible (Tier 1 not subject to deductible). 3,253 formulary drugs available. Preferred 30-day drug copays are $2 (Tier 1), $8 (Tier 2), $40 (Tier 3), 50% (Tier 4), and 27% (Tier 5). Preferred 90-day drug copays are $6 (Tier 1), $24 (Tier 2), $120 (Tier 3), 50% (Tier 4), and n/a (Tier 5). Preferred 90-day mail-order drug copays are $6 (Tier 1), $24 (Tier 2), $120 (Tier 3), 50% (Tier 4), and n/a (Tier 5). 3.0-Star CMS Overall Star Rating. Plan ID is S5921-388. 10,339 Pa residents are enrolled in this plan. 756,926 persons in the entire US are enrolled in this plan. $0 premium not available if full LIS benefits. Some gap coverage is available. Plan Formulary drugs include 245 in Tier 1, 488 in Tier 2, and 788 in Tier 3. CMS Region 06.

AARP Medicare Rx Rx Basic from UHC – $38.60 monthly rate with $545 deductible. 3,009 formulary drugs available. Preferred 30-day drug copays are $2 (Tier 1), $18 (Tier 2), 15% (Tier 3), 42% (Tier 4), and 25% (Tier 5). Preferred 90-day drug copays are $6 (Tier 1), $24 (Tier 2), 15% (Tier 3), 42% (Tier 4), and n/a (Tier 5). Preferred 90-day mail-order drug copays are $6 (Tier 1), $24 (Tier 2), 15% (Tier 3), 42% (Tier 4), and n/a (Tier 5). 3. 3.0-Star CMS Overall Star Rating. Plan ID is S5921-351. 27,568 Pa residents are enrolled in this plan. 586,201 persons in the entire US are enrolled in this plan. $0 premium available if full LIS benefits. Additional gap coverage not available. Plan Formulary drugs include 54 in Tier 1, 451 in Tier 2, and 799 in Tier 3. CMS Region 06.

 

AARP MedicareRx Preferred – $112.20 monthly rate with $0 deductible. 3,624 formulary drugs available. Preferred 30-day drug copays are $7 (Tier 1), $12 (Tier 2), $47 (Tier 3), 40% (Tier 4), and 33% (Tier 5). Preferred 90-day drug copays are $21 (Tier 1), $36 (Tier 2), $141 (Tier 3), 40% (Tier 4), and n/a (Tier 5). 3.5-Star CMS Overall Star Rating. Plan ID is S5820-005. 66,406 Pa residents are enrolled in this plan. 1,544,826 persons in the entire US are enrolled in this plan. $0 premium not available if full LIS benefits. Additional gap coverage not available. Plan Formulary drugs include 157 in Tier 1, 725 in Tier 2, and 980 in Tier 3.

Blue Rx PDP Plus – $121.10 monthly rate with $505 deductible. 4,141 formulary drugs available. Preferred 30-day drug copays are $0 (Tier 1), $7 (Tier 2), 20% (Tier 3), 40% (Tier 4), and 25% (Tier 5). Preferred 90-day drug copays are $0 (Tier 1), $21 (Tier 2), 20% (Tier 3), 40% (Tier 4), and n/a (Tier 5). 4.0-Star CMS Overall Star Rating. Plan ID is S5593-002. 11,091 Pa residents are enrolled in this plan. 12,448 persons in the entire US are enrolled in this plan. $0 premium not available if full LIS benefits. Additional gap coverage not available. Formulary drugs include 527 in Tier 1, 1,343 in Tier 2, and 611 in Tier 3.

Blue Rx PDP Complete – $192.60 monthly rate with $0 deductible. 4,141 formulary drugs available. Preferred 30-day drug copays are $0 (Tier 1), $5 (Tier 2), $40 (Tier 3), 35% (Tier 4), and 33% (Tier 5). Preferred 90-day drug copays are $0 (Tier 1), $15 (Tier 2), $120 (Tier 3), 35% (Tier 4), and n/a (Tier 5). 4.0-Star CMS Overall Star Rating. Plan ID is S5593-003. 6,507 Pa residents are enrolled in this plan. 7,416 persons in the entire US are enrolled in this plan. $0 premium not available if full LIS benefits. Additional gap coverage is available. Formulary drugs include 527 in Tier 1, 1,343 in Tier 2, and 611 in Tier 3.

Mutual Of Omaha Rx Premier – $71.40 monthly rate with $505 deductible. 3,032 formulary drugs available. Preferred 30-day drug copays are $1 (Tier 1), $10 (Tier 2), $45 (Tier 3), 45% (Tier 4), and 25% (Tier 5). Preferred 90-day drug copays are $3 (Tier 1), $30 (Tier 2), $135 (Tier 3), n/a (Tier 4), and n/a (Tier 5). 2.0-Star CMS Overall Star Rating. Plan ID is S7126-075.  2,045 Pa residents are enrolled in this plan. 91,045 persons in the entire US are enrolled in this plan. $0 premium not available if full LIS benefits. Additional gap coverage is not available. Formulary drugs include 137 in Tier 1, 581 in Tier 2, and 705 in Tier 3.

Mutual Of Omaha Rx Plus – $90.60 monthly rate with $505 deductible. 3,125 formulary drugs available. Preferred 30-day drug copays are $1 (Tier 1), $5 (Tier 2), 21% (Tier 3), 40% (Tier 4), and 25% (Tier 5). Preferred 90-day drug copays are $3 (Tier 1), $15 (Tier 2), 21% (Tier 3), n/a (Tier 4), and n/a (Tier 5). 2.0-Star CMS Overall Star Rating. Plan ID is S7126-005. 316 Pa residents are enrolled in this plan. 12,321 persons in the entire US are enrolled in this plan. $0 premium not available if full LIS benefits. Additional gap coverage is not available. Formulary drugs include 158 in Tier 1, 763 in Tier 2, and 718 in Tier 3.

SilverScript Choice – $39.60 monthly rate with $505 deductible. 3,520 formulary drugs available. Preferred 30-day drug copays are $2 (Tier 1), $7 (Tier 2), 17% (Tier 3), 39% (Tier 4), and 25% (Tier 5). Preferred 90-day drug copays are $6 (Tier 1), $21 (Tier 2), 17% (Tier 3), 29% (Tier 4), and n/a (Tier 5). 3.5-Star CMS Overall Star Rating. Plan ID is S5601-012. Low-income subsidy is available. 1110,100 Pa residents are enrolled in this plan. 2,876,329 persons in the entire US are enrolled in this plan. $0 premium available if full LIS benefits. Additional gap coverage not available. Formulary drugs include 250 in Tier 1, 1,200 in Tier 2, and 249 in Tier 3.

SilverScript Plus – $77.80 monthly rate with $0 deductible. 3,520 formulary drugs available. Preferred 30-day drug copays are $0 (Tier 1), $0 (Tier 2), $47 (Tier 3), 50% (Tier 4), and 33% (Tier 5). Preferred 90-day drug copays are $0 (Tier 1), $0 (Tier 2), $141 (Tier 3), 50% (Tier 4), and n/a (Tier 5). 3.5-Star CMS Overall Star Rating. Plan ID is S5601-013. Low-income subsidy is not available. 15,348 Pa residents are enrolled in this plan. 400,896 persons in the entire US are enrolled in this plan. $0 premium not available if full LIS benefits. Additional gap coverage available. Formulary drugs include 250 in Tier 1, 1,206 in Tier 2, and 318 in Tier 3.

SilverScript SmartSaver – $5.20 monthly rate with $505 deductible. 3,676 formulary drugs available. Preferred 30-day drug copays are $2 (Tier 1), $15 (Tier 2), 25% (Tier 3), 50% (Tier 4), and 25% (Tier 5). Preferred 90-day drug copays are $0 (Tier 1), $57 (Tier 2), $138 (Tier 3), 49% (Tier 4), and n/a (Tier 5). 3.5-Star CMS Overall Star Rating. Plan ID is S5601-181. Low-income subsidy is not available. 71,504 Pa residents are enrolled in this plan. 1,201,863 persons in the entire US are enrolled in this plan. $0 premium not available if full LIS benefits. Additional gap coverage not available. Formulary drugs include 250 in Tier 1, 615 in Tier 2, and 786 in Tier 3.

Cigna Secure Rx – $38.30 monthly rate with $505 deductible. 3,207 formulary drugs available. Preferred 30-day drug copays are $1 (Tier 1), $5 (Tier 2), $22 (Tier 3), 50% (Tier 4), and 25% (Tier 5). Preferred 90-day drug copays are $3 (Tier 1), $15 (Tier 2), $66 (Tier 3), 50% (Tier 4), and n/a (Tier 5). 3.0-Star CMS Overall Star Rating. Plan ID is S5617-215. 42,506 Pa residents are enrolled in this plan. 897,502 persons in the entire US are enrolled in this plan. $0 premium available if full LIS benefits. Additional gap coverage not available. Formulary drugs include 142 in Tier 1, 489 in Tier 2, and 787 in Tier 3.

Cigna Extra Rx – $57.80 monthly rate with $100 deductible. 3,380 formulary drugs available. Preferred 30-day drug copays are $4 (Tier 1), $10 (Tier 2), $45  (Tier 3), 50% (Tier 4), and 31% (Tier 5). Preferred 90-day drug copays are $12 (Tier 1), $30 (Tier 2), $135 (Tier 3), 50% (Tier 4), and n/a (Tier 5). 3.0-Star CMS Overall Star Rating. Plan ID is S5617-251. 14,561 Pa residents are enrolled in this plan. 348,220 persons in the entire US are enrolled in this plan. $0 premium not available if full LIS benefits. Additional gap coverage available. Formulary drugs include 175 in Tier 1, 582 in Tier 2, and 889 in Tier 3.

Cigna Saver Rx – $12.40 monthly rate with $505 deductible. 3,326 formulary drugs available. Preferred 30-day drug copays are $0 (Tier 1), $10 (Tier 2), $40 (Tier 3), 50% (Tier 4), and 25% (Tier 5). Preferred 90-day drug copays are $0 (Tier 1), $30 (Tier 2), $120 (Tier 3), 50% (Tier 4), and n/a (Tier 5). 3.0-Star CMS Overall Star Rating. Plan ID is S5617-285. 19,008 Pa residents are enrolled in this plan. 313,039 persons in the entire US are enrolled in this plan. $0 premium not available if full LIS benefits. Additional gap coverage not available. Formulary drugs include 232 in Tier 1, 358 in Tier 2, and 1,205 in Tier 3.

WellCare Classic – $35.90 monthly rate with $480 deductible. 3,110 formulary drugs available. Preferred 30-day drug copays are $0 (Tier 1), $6 (Tier 2), $39 (Tier 3), 40% (Tier 4), and 25% (Tier 5). Preferred 90-day drug copays are $0 (Tier 1), $8 (Tier 2), $117 (Tier 3), 40% (Tier 4), and n/a (Tier 5). 3.5-Star CMS Overall Star Rating. Plan ID is S4802-080. Low-income subsidy is available. 58,399 Pa residents are enrolled in this plan. 1,473,307 persons in the entire US are enrolled in this plan. $0 premium available if full LIS benefits. Additional gap coverage not available. Formulary drugs include 123 in Tier 1, 461 in Tier 2, and 1,094 in Tier 3.

WellCare Value Script – $12.90 monthly rate with $480 deductible (Tiers 1 and 2 not subject to deductible). 3,450 formulary drugs available. Preferred 30-day drug copays are $0 (Tier 1), $4 (Tier 2), $42 (Tier 3), 47% (Tier 4), and 25% (Tier 5). Preferred 90-day drug copays are $0 (Tier 1), $12 (Tier 2), $126 (Tier 3), 47% (Tier 4), and n/a (Tier 5). 3.5-Star CMS Overall Star Rating. Plan ID is S4802-141. 94,900 Pa residents are enrolled in this plan. 2,110,773 persons in the entire US are enrolled in this plan. $0 premium not available if full LIS benefits. Additional gap coverage not available. Formulary drugs include 347 in Tier 1, 444 in Tier 2, and 1,033 in Tier 3.

WellCare Medicare Rx Value Plus – $69.00 monthly rate with $0 deductible. 3,470 formulary drugs available. Preferred 30-day drug copays are $0 (Tier 1), $4 (Tier 2), $47 (Tier 3), 50% (Tier 4), and 33% (Tier 5). Preferred 90-day drug copays are $0 (Tier 1), $12 (Tier 2), $141 (Tier 3), 50% (Tier 4), and n/a (Tier 5). 3.5-Star CMS Overall Star Rating. Plan ID is S5768-129. 24,530 Pa residents are enrolled in this plan. 577,317 persons in the entire US are enrolled in this plan. $0 premium not available if full LIS benefits. Additional gap coverage not available. Formulary drugs include 363 in Tier 1, 433 in Tier 2, and 1,048 in Tier 3.

SecureRx – Option 3 – $43.30 monthly rate with $335 deductible. 2,830 formulary drugs available. Preferred 30-day drug copays are $5 (Tier 1), $12 (Tier 2), $40 (Tier 3), 50% (Tier 4), and 27% (Tier 5). Preferred 90-day drug copays are $15 (Tier 1), $36 (Tier 2), $120 (Tier 3), 50% (Tier 4), and n/a (Tier 5). 4.0-Star CMS Overall Star Rating. Plan ID is S8067-001. 1,489 Pa residents are enrolled in this plan. 1,733 persons in the entire US are enrolled in this plan.  $0 premium not available if full LIS benefits. Additional gap coverage not available. Formulary drugs include 116 in Tier 1, 496 in Tier 2, and 511 in Tier 3.

SecureRx – Option 1 – $90.50 monthly rate with $0 deductible. 3,564 formulary drugs available. Preferred 30-day drug copays are $3 (Tier 1), $10 (Tier 2), $38 (Tier 3), $88 (Tier 4), and 33% (Tier 5). Preferred 90-day drug copays are $9 (Tier 1), $30 (Tier 2), $114 (Tier 3), $264 (Tier 4), and n/a (Tier 5). 4.0-Star CMS Overall Star Rating. Plan ID is S8067-003. 2,606 Pa residents are enrolled in this plan. 2,994 persons in the entire US are enrolled in this plan. $0 premium not available if full LIS benefits. Additional gap coverage not available. Formulary drugs include 276 in Tier 1, 876 in Tier 2, and 796 in Tier 3.

Elixir RxPlus – $15.60 monthly rate with $445 deductible. 3,229 formulary drugs available. Preferred 30-day drug copays are $1 (Tier 1), $6 (Tier 2), $43 (Tier 3), 45% (Tier 4), and 25% (Tier 5). Preferred 90-day drug copays are $3 (Tier 1), $18 (Tier 2), $129 (Tier 3), 45% (Tier 4), and n/a (Tier 5). 3.5-Star CMS Overall Star Rating. Plan ID is S7694-126. $0 premium not available if full LIS benefits. Additional gap coverage not available. Formulary drugs include 206 in Tier 1, 625 in Tier 2, and 523 in Tier 3.

Elixir RxSecure – $35.00 monthly rate with $445 deductible. 3,168 formulary drugs available. Preferred 30-day drug copays are $1 (Tier 1), $7 (Tier 2), 15% (Tier 3), 35% (Tier 4), and 25% (Tier 5). Preferred 90-day drug copays are $3 (Tier 1), $21 (Tier 2), 15% (Tier 3), 34% (Tier 4), and n/a (Tier 5). 3.5-Star CMS Overall Star Rating. Plan ID is S7694-006. 107,164 Pa residents are enrolled in this plan. 844,835 persons in the entire US are enrolled in this plan. $0 premium available if full LIS benefits. Additional gap coverage not available. Formulary drugs include 206 in Tier 1, 612 in Tier 2, and 501 in Tier 3.

Indy Health EliteRx – $47.10 monthly rate with $0 deductible. 3,578 formulary drugs available. Preferred 30-day drug copays are $3 (Tier 1), $5 (Tier 2), $47 (Tier 3), 50% (Tier 4), and 33% (Tier 5). Preferred 90-day drug copays are $9 (Tier 1), $15 (Tier 2), $141 (Tier 3), 50% (Tier 4), and n/a (Tier 5). Plan ID is S3535-005. 3,685 Pa residents are enrolled in this plan. 14,904 persons in the entire US are enrolled in this plan. $0 premium not available if full LIS benefits. Additional gap coverage not available. Formulary drugs include 353 in Tier 1, 1,333 in Tier 2, and 327 in Tier 3.

Indy Health SaverRx – $34.00 monthly rate with $445 deductible. 3,219 formulary drugs available. Preferred 30-day drug copays are $0 (Tier 1), $10 (Tier 2), $47 (Tier 3), 50% (Tier 4), and 25% (Tier 5). Preferred 90-day drug copays are $0 (Tier 1), $30 (Tier 2), $141 (Tier 3), 50% (Tier 4), and n/a (Tier 5). Plan ID is S3535-009. 5,208 Pa residents are enrolled in this plan. 13,913 persons in the entire US are enrolled in this plan. $0 premium not available if full LIS benefits. Additional gap coverage not available. Formulary drugs include 353 in Tier 1, 1,251 in Tier 2, and 324 in Tier 3.

Persons with CRDP are helped by the Chronic Renal disease Program and Medicare Part D. From the day of eligibility, 63 days is provided to enroll. Otherwise, a lifetime late enrollment penalty may be imposed. Out-of-pocket costs for medications are reduced, and a confirmation letter will be sent.