Which prescription drug plan (PDP) is best for a dual eligible chooser?
Asked by: Lesley Gerhold | Last update: March 15, 2025Score: 4.7/5 (67 votes)
What is a dual eligible Part D plan?
Dual Eligible Special Needs Plans (D-SNPs) are Medicare Advantage (MA) plans that provide specialized care and wrap-around services for dual eligible beneficiaries (eligible for both Medicare and Medicaid).
Which prescription drug plan PDP has the richest formulary with the most adherence generics on Tier 1?
In summary, Medicare Part D is likely the prescription drug plan (PDP) product with the richest formulary containing the most adherence generics on tier 1, offering a comprehensive coverage option for individuals seeking affordable prescription drug coverage under Medicare.
What are two options for Medicare consumers to get Part D prescription drug coverage Select 2?
You can get a stand-alone Part D plan (also known as a PDP plan). Or, you can opt to get a Medicare Advantage plan that includes drug coverage.
Which prescription drug plan (PDP) product features no deductible on any tier?
Enjoy affordable costs with a Humana Premier Rx Plan
$0 deductible. $0 Tier 1 copays at preferred pharmacies. $0 Tier 1 and 2 copays at CenterWell Pharmacy® Elimination of the coverage gap (donut hole)
Which standalone Prescription Drug Plan (PDP) is best for a dual-eligible chooser?
Which is better, SilverScript Choice or Plus?
Best for prescription vitamins and minerals: Aetna
SilverScript Choice: This mid-range plan offers a lower copay for Tier 1 drugs at preferred pharmacies. SilverScript Plus: This plan is the most expensive one Aetna offers.
What is the deductible for SilverScript PDP?
SilverScript Choice PDP includes:
A $590 deductible applies to all tiers.
What is the most popular Part D drug plan?
The best Medicare Part D provider is Aetna. It has top ratings from the Centers for Medicare & Medicaid Services and affordable premiums. Other great providers include Wellcare and UnitedHealthcare.
Does UnitedHealthcare Part D have a deductible?
With standalone Part D plans, you will pay a monthly premium and may also pay an annual deductible, copays and coinsurance. Some plans charge deductibles, some do not, but Medicare sets a maximum deductible amount each year. In 2025, the annual deductible limit for Part D is $590.
Why are medicare advantage plans bad?
Why do some people think Medicare Advantage plans are bad? Some people point out that MA plans limit access to care and affordability. These plans may not be the right fit if you have chronic conditions that could require extended hospital stays.
Is Wellcare Value Script PDP a good drug plan?
Wellcare has an overall 2025 Star Rating of 3.5.
While it's still not back to the 4-star rating it had in 2022, holding steady at 3.5 is a good sign, especially with many other plans' ratings continuing to slide.
How to compare Part D drug plans?
Look at the copays, coinsurance, monthly premiums, and deductibles across different plans, in addition to ensuring your medications are covered. Once you've found plans that cover the medications you use, compare the costs of those medicines.
Which of the prescription drug plan (PDP) products is new to the 6 tier formulary structure for 2024?
For 2024, the Prescription Drug Plan (PDP) introduces a new addition to its 6-tier formulary structure called Value Script.
How do you qualify for dual eligibility?
- You are enrolled in Original Medicare (Part A, Part B, or both); and.
- Receive full Medicaid benefits; or.
- Get help with your Medicare out-of-pocket costs through a Medicare Savings Program (MSP)
Which consumer might benefit the most by enrolling in a D-SNP?
A Dual Special Needs plan (D-SNP) is a type of health insurance plan. It's for people who have both Medicare and Medicaid. These plans are designed for people who may need more help because of disabilities, age or health conditions.
Who is eligible for UnitedHealthcare dual complete?
UnitedHealthcare Dual Complete plans
This plan is available to anyone who has both Medical Assistance from the State and Medicare. Benefits, features and/or devices vary by plan/area. Limitations, exclusions and/or network restrictions may apply.
Who is the preferred pharmacy for UnitedHealthcare?
You may see the name Optum Rx on your prescription benefits. This is the UnitedHealthcare pharmacy service provider.
Does AARP UnitedHealthcare have a Part D plan?
Medicare Part D Plans
Available to AARP members and non-members. Plans and pricing are on the UnitedHealthcare website.
What is the donut hole in Medicare Part D 2025?
As of Jan 1, 2025, the Medicare Part D coverage gap (commonly known as the "donut hole") is gone. This major change, a result of the Inflation Reduction Act, simplifies prescription drug coverage by removing the coverage gap phase and establishing a $2,000 annual cap on out-of-pocket spending for covered drugs.
Are Part D drug plans worth it?
While the lower-tier drugs may be manageable to pay for without Part D coverage, the higher tiers may give you sticker shock. So, while you may have to pay a premium, deductible, copay or coinsurance, your overall Medicare Part D costs will likely be significantly less than if you don't have coverage.
What is SilverScript Choice PDP?
The SilverScript PDP sponsored by NALC Health Benefit Plan combines Medicare Part D prescription drug coverage with additional coverage provided by the NALC Health Benefit Plan to close the gaps between the standard Part D plan and our current coverage.
What is the best medicare plan that covers everything for seniors?
Original Medicare with Medigap likely offers the most comprehensive coverage, but it may also be the most costly. A person can consider their income and how much they are able to spend before choosing a Medicare plan. Original Medicare with Medigap also offers a lot of flexibility when choosing a doctor or specialist.
Is SilverScript Choice a good plan?
“Aetna's SilverScript Choice plan isn't a very competitive option in 2025. In the past, Aetna offered some of the least expensive Medicare Part D plans and maintained decent star ratings. With higher prices and lower ratings in 2025, Aetna SilverScript Choice underperforms competitors' plans.
What is the preferred pharmacy for SilverScript?
SilverScript has most of the same network pharmacies that are in your CVS Caremark pharmacy network. You can continue to get your prescriptions filled at your local network retail pharmacy or through a mail order pharmacy. You do not have to go to a CVS Pharmacy® — there are other pharmacies in the network.
Is SilverScript owned by CVS or Aetna?
Who Owns SilverScript? SilverScript partnered with Aetna in 2021 for fuller Medicare coverage, but Aetna (and therefore SilverScript) are owned by CVS Health.