My Medicare Advantage plan is through Humana, it is a PPO plan. I can fill drugs locally, but after two fills I have to pay higher co-pays, unless I use their mail-order plan. The mail-order plan gives me 90 days supply, so my doc writes the script for 90 days with three refills, I only have to get scripts once a year, and all but one of my drugs have zero co-pays, thru mail-order. The drugs arrive quickly, and are shipped free. My one drug costs me $40/90 days.
If I need something for just an infection, or something I won't have to use continuously, I get them filled locally, at Publix supermarket, where most antibiotics are filled free, for everyone, no insurance necessary.
So, once a year (next time this Friday) I see the doc who gets my blood work, I get new scripts, a flu shot, and I'm good for another year.
As it turns out, I might get my remaining drug that costs me a co-pay replaced by a similar drug that has recently gone generic, if so my drugs will be free for 2013.
I'm OK with being steered to the mail-order drug provider, as I have been using them for years anyway, as it was always cheaper to do so.
My wife isn't on Medicare, but the drug plan she has is virtually the same, so she uses mail-order, also.
I figure those paying for the drugs get the right to call the tune, so to speak. I can still choose to go to out of network docs and use other pharmacies, but it would be on my dime, at added costs to me.
Sam I Am
Last edited by Sam I Am
on Wed Dec 05, 2012 7:06 pm, edited 1 time in total.
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