- 29,488
That's bullshit!!! They shouldn't be allowed to make negative changes during the year.
Drug plan quoting?
- Thread starter vic120
- Start date
- Thread starter
- #12
well that is the kicker right, MAPD's seem to have set copays and many of them have little if any drug deductible
- Thread starter
- #13
here is what I am wondering should I call ALL my pdp clients to let them know and lose times of time dealing with drug cov issues,
or let it go and deal with it as they call
seems there is a plan in the $20 range it is clear spring
is anyone suggesting this one or no?
or let it go and deal with it as they call
seems there is a plan in the $20 range it is clear spring
is anyone suggesting this one or no?
This is where a newsletter, or bulk email, comes in handy.
I have a relatively small block compared to some but no way I can/will call 700 clients over something like this.
Clear Spring has been suggested in the past but got way too many complaints and so I no longer suggest them as an option. I think they have 1.5 stars. Doesn't give me much confidence.
Ordering from the dollar menu can give you indigestion
So only positive (lower copay) should be allowed?
Like saloon doors, they swing both ways.
The one that gets me is when carriers change their formulary after 12/7 for a January effective date. One of the big carriers did that a few years ago and all I could do is let clients know what happened so don't blame me.
I think it depends on you and your book.
If your biz model is to go super hard in 4th quarter to get people, you can't do that.
We do a PDP review. It may be via email, but it gets done. Or they tell me to go away, they are going to do it. Please don't ask me how we are going to 800+ because right now, I am in deep doo-doo trying to figure that out.
Obviously, I am going to add people in 4th quarter, but I really don't care about adding people right now. I want 120 new policies every year. Over 65, ACA, Small Group. Whatever. I hit that last week. (With zero marketing, BTW)
I am not recommending Clear Spring at 1 star. And I am very hesitant on Wellcare, as well.
I would figure out who has what, send out BCC emails (10 people at a time) to SS Smart people that say "hold, unless you added an expensive drug". On SS Choice, UHC, Humana...I think you have to talk to them. Or give them instructions on how to check themselves.
- Thread starter
- #17
Tier 3 and 4 meds will no longer be $45 or $47 on a lot of plans including WellCare, and are going to be % tier 3 25%b and tier 4 50 % on WellCare for instance
Not sure if I am misreading Dupixent. but it appears to be a very high drug goies though all stages i=within a few months and wont make much a difrence
Xerelto inhalers and these type meds will be more an issue
moreover you cannot trust what Med.cov says the copay will be at 25% becuase they may say retail cost of drug before 25% is $100 but in reality it might be $500
Shows CIPA approved pharmacies
[EXTERNAL LINK] - Drug Price Comparisons & Online Pharmacy Safety | PharmacyChecker.com
[EXTERNAL LINK] - Drug Price Comparisons & Online Pharmacy Safety | PharmacyChecker.com
AgentGeneral
Guru
- 281
How would one go about instructing a client to use one of the canadian pharmacies.
Is it easy? Are meds delayed? Is it a fax or just send a script and get it filled with credit card #?
I feel like this might be a dumb question and I should just go read it all, which I will but hoping for a little quick reference.
Truce
Expert
- 81
I find myself typing the following sentences so often this year (for people who aren't already in the cheapest plan) that I saved them as an email draft:
"Right now you are only taking (3) generic drugs that you can get on your own (via goodrx or online pharmacy) for less per month than the 2024 premium of your current PDP plan. I think this is a good year to just pick the least expensive plan (it costs 50 cents per month and I have hundreds of people enrolled in it) and only use it in case you need an expensive brand name drug."
What is the point of the plan comparisons when the entire basis for projecting annual costs is an estimated retail cost of a drug before the deductible is met? Is anyone really going to pay $180 for a month of esomeprazole at CVS with one $20 PDP plan and $11 with another $20 PDP plan? For the majority of people who take a few moderately priced generics, this PDP shopping experience is at best a waste or time and more often a waste of money.
"Right now you are only taking (3) generic drugs that you can get on your own (via goodrx or online pharmacy) for less per month than the 2024 premium of your current PDP plan. I think this is a good year to just pick the least expensive plan (it costs 50 cents per month and I have hundreds of people enrolled in it) and only use it in case you need an expensive brand name drug."
What is the point of the plan comparisons when the entire basis for projecting annual costs is an estimated retail cost of a drug before the deductible is met? Is anyone really going to pay $180 for a month of esomeprazole at CVS with one $20 PDP plan and $11 with another $20 PDP plan? For the majority of people who take a few moderately priced generics, this PDP shopping experience is at best a waste or time and more often a waste of money.
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