As of 2016, benefits offered through Medicare Part D plans from AARP include low co-pays for prescriptions filled with the Preferred Retail Pharmacy network, a free 90-day supply of certain medications from OptumRx home delivery, and coverage for most commonly used medications. Two Medicare Part D plans are available, MedicareRx Saver Plus and MedicareRx Preferred, according to AARP. UnitedHealthcare insures both plans.Continue Reading
One main difference between the two AARP Medicare Part D plans' benefits is the annual deductible, notes AARP. The MedicareRx Preferred plan has no deductible, while the MedicareRx Saver Plus plan has a $360 yearly deductible, as of 2016. The prescription drug co-pays also differ depending on plan and where the member lives. Both plans offer coverage gap benefits, so members do not pay more than a certain percentage for brand and prescription medications. The list of covered medications are also slightly different between the two plans.
Patients can choose Medicare Part D as a standalone plan or can sign up for it when enrolling in Medicare Part A and B. It is not automatically included with Medicare, states AARP. The choice between the two AARP Medicare Part D plans depends on an individual's location and required medications. Patients should confirm that plans they choose cover their medications. Enrollment occurs during the Medicare Open Enrollment period, when a patient turns 65 or enrolls in Medicare, or when a patient has a qualifying event, notes UnitedHealthcare.Learn more about Health Insurance