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Key Considerations When Selecting a Plan
When evaluating Medicare Part D plans, consider the following factors:
- Formulary: Ensure the plan covers your current medications. Formularies can change annually, so it's important to review them each year.
- Costs: Compare premiums, deductibles, and copayments. Some plans may have a $0 deductible, while others might have higher deductibles but lower premiums.
- Pharmacy Network: Check if your preferred pharmacies are in the plan's network, as using out-of-network pharmacies can increase your costs.
- Star Ratings: Medicare uses a star rating system to evaluate plans based on customer service, member experience, and other factors. Higher-rated plans may offer better service and satisfaction3.