Typically, most people will first look at cost when deciding on a plan, but don’t do it. First, make sure all of the prescription drugs you need are covered in the plan. Then check to see which pharmacies stock your medicines. Traveling long distances to a pharmacy you don’t normally use can be inconvenient and expensive. Coverage and accessibility are two very important factors that will determine the cost of the plan.

Additionally, Senior Services recommends you:

• Do the math when comparing plans without premiums vs. plans with premiums that will cover the “doughnut hole” gap. You may be better off paying a higher monthly premium, than 100 percent of your meds for six to seven months of the year.

• Check to see if your coverage includes a particular name brand of medicine or only generics. If you use a lot of name-brand prescription drugs, this could put you in the “doughnut hole” gap quickly.

• Pay attention to deductibles and co-payments. Some beneficiaries may prefer not to have a deductible, especially if they use a lot of generic drugs.

• Get an unbiased opinion. If the person assisting you is not using the Medicare Plan Finder, they will not have a clear picture of all the options available.
  
  Senior Services’ Headquarters
  6350 Center Drive, Norfolk, VA 23502
  From: 8 a.m. to 4:30 p.m., M-F (call, walk in or make an appointment)
  (757) 461-9481 phone