health humana individual insurance






health humana individual insurance

Medicare Part D is a controversial federal program to absorb the costs of prescription drugs for Medicare beneficiaries in the United States. It was enacted as part of the Medicare Prescription Drug, Improvement, and Modernization Act of 2003 (MMA). [1] The benefit started on January 1, 2006. The program has become infamous for its coverage gap, known as Medicare Part D's "Doughnut Hole", and its critics charge that the program's design is more to the benefit of the pharmaceutical industry than those in need of prescription drug assistance. Medicare Part D is an example of privatization in the delivery of government services, a philosophy of government that has many skeptics.

Program specifics

The drug benefit is not part of the original Medicare program, which includes Part A for hospital care Part B for physician, home health and medical equipment care. Get a free individual health insurance Humana Inc, headquartered in Louisville, Kentucky, is one of the nation's. Rather, it is being offered through private insurance plans that will be reimbursed by the Centers for Medicare and Medicaid Services (CMS). [2]

Beneficiaries can obtain the Medicare Drug plan through two types of private plans: beneficiaries can join a Prescription Drug Plan (PDP) for drug coverage only or they can join a Medicare Advantage plan (MA) that covers prescriptions drugs (MA-PD). [3] There are 34 PDP regions and 26 MA regions in the U. S. The drug plans will control drug costs through a system of tiered formularies in which lower cost drugs are assigned to lower tiers and thus are easier to prescribe.

Medicare beneficiaries have to affirmatively choose and enroll in the plan, unless they are dual eligible, having both Medicare and Medicaid. Health Insurance Quotes.

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