The best graph I’ve seen breaking down new part D but very complicated

[DonP]

Saw this online . Supposedly there’s enchanced and basic plans that price drugs differently to consumer? Nobody really knows exactly what expenses count toward a person moop .So in reality the $2000 max out of pocket can be reached when a client pays far less than the $2000as examples 2,3 and 4 show . There’s no real way for an agent to calculate these. It’s done in the background

 

[hockeyday]

Saw this online . Supposedly there’s enchanced and basic plans that price drugs differently to consumer? Nobody really knows exactly what expenses count toward a person moop .So in reality the $2000 max out of pocket can be reached when a client pays far less than the $2000as examples 2,3 and 4 show . There’s no real way for an agent to calculate these. It’s done in the background

With out the monthly plan cost or premiums, a chart like that is worthless , a formulary with tiers would be helpful

 

[DonP]

With out the monthly plan cost or premiums, a chart like that is worthless , a formulary with tiers would be helpful

I think that’s for a mapd with no premium . And the drug in example is eliquis tier3. That used an example if drug retail $1000 a month . It’s basically for an example of how much goes toward troop . What I find interesting is the higher out of pocket basic plan total amount is applicable toward the troop on better plan . They count the higher out of pocket door n the worst plan as the same out of pocket on better plan

 

[Yagents]

Total cost (prem + oop costs) is all that matters,. If the plan above costs more then $120 month, then it's a wash compared to a $0 premium pdp plan.

 

[GoPokes]

I saw this earlier this week. It is pretty helpful, but like hockeyday pointed out without the part d premium, its doest tell the whole story.

The page we are looking at, is page 4 out of a 5 page "FAQs" document. so its little bit out of context.

I interpreted the illustration to show us that us that on row 2 and 3, we are seeing what it would like like for a person who has either a PDP or MAPD. In either of these scenarios, the plan is richer than the benchmark plan, ($590 ded) and that gives the member more advantages with counting money towards the troop.

It's my understanding that the company that designed this illustration, will have 2 PDP's for the coming year, with similars structure to what we are seeing. One expanded formulary, and one lesser. One with higher deductible and one lower. Both plans will have a similar premium, and it is not low, the low will be higher than it is currently, and high plan will be lower than it is currently. Not sure how much I am allowed to say... ha

I have been thinking about this lately. You could probably make a case that a person should have the more expensive PDP, and the lower cost plan N, versus a cheaper PDP and a Plan G/F. The reality is, people use the PDP more often than the medigap, in many scenarios.

 

[LostDollar]

I saw this earlier this week. It is pretty helpful, but like hockeyday pointed out without the part d premium, its doest tell the whole story.

The page we are looking at, is page 4 out of a 5 page "FAQs" document. so its little bit out of context.

I interpreted the illustration to show us that us that on row 2 and 3, we are seeing what it would like like for a person who has either a PDP or MAPD. In either of these scenarios, the plan is richer than the benchmark plan, ($590 ded) and that gives the member more advantages with counting money towards the troop.

It's my understanding that the company that designed this illustration, will have 2 PDP's for the coming year, with similars structure to what we are seeing. One expanded formulary, and one lesser. One with higher deductible and one lower. Both plans will have a similar premium, and it is not low, the low will be higher than it is currently, and high plan will be lower than it is currently. Not sure how much I am allowed to say... ha

I have been thinking about this lately. You could probably make a case that a person should have the more expensive PDP, and the lower cost plan N, versus a cheaper PDP and a Plan G/F. The reality is, people use the PDP more often than the medigap, in many scenarios.

If the person can handle some record keeping, do not forget HDG as another plan N alternative.

 

[GoPokes]

If the person can handle some record keeping, do not forget HDG as another plan N alternative.

I havent sold one of those yet. But I anticipate it is in the future!

LD I just helped a friend get licensed in KS! Did you know there is no pre-licensing exam requirement in KS? You can just go online and take the test, from the comfort of your home. There is a proctor, but it's a video call. If you fail, you just wait a week, and give it another shot!

 

[Special Agent]

I think that’s for a mapd with no premium . And the drug in example is eliquis tier3. That used an example if drug retail $1000 a month . It’s basically for an example of how much goes toward troop . What I find interesting is the higher out of pocket basic plan total amount is applicable toward the troop on better plan . They count the higher out of pocket door n the worst plan as the same out of pocket on better plan

that 1000.00 drug cost example is about what ozempic cost.Assuming ozempic stays tier 3 in most big plans it will make a big difference on what someone pays on for example UHC MA 47.00 copay vs aetna 24%.

 

[Midlevel]

Why in the hell would they use the standard 25% cost rather than what the client actually pays? Another reason most Tier 3’s are also a %. If a client is taking over $1000.00/month then they can at least pay their full $2000.00 max oop. BCBS MA is only plan I’ve seen so far that still has a $47.00 tier 3 copay on their MAPD’s.

This was the main concern of the Aetna lady I listened to, using the 25% and also getting screwed on the awesome smoothing idea someone dreamed up. I wonder if the people who approved this bill had any idea how bad they were gonna screw up the PDP’s.

 

[DonP]

that 1000.00 drug cost example is about what ozempic cost.Assuming ozempic stays tier 3 in most big plans it will make a big difference on what someone pays on for example UHC MA 47.00 copay vs aetna 24%.

All Aetna’s plans I looked at are a % and not copay . There going to screw clients bad . There not even showing their dual dsnp food card amount in our area . Aetna cancelling 1000’s of plans and not cross walking them to the 200’s of new plans shows you what a shit outfit they are . You said you have a lot of dsnps . I’ve spent 50 hrs manually pulling peoples Medicaid levels . All fbde’s , qmb plus and slmb plus will qualify for $50 to $80 a mo th more food cards on new United full Medicaid plan in every state I looked at on there new dsnp . You move them or I assure you a call center moves them