Fixed Income and the Government
Posted by Sheri Harris on Tuesday, July 7, 2009
Under: Insurance
Medicare prescription drug plans can neither be considered a donut or a spare for retirees. Persons on a fixed income are not provided with a discount "recognized" as that of insurance provided for people who are of retirement age. Mail order pharmacies are not actually providing a discount for someone who will receive the same amount of money aside from the cost of living adjustment, as opposed to people who are still working currently and are using mail order for prescription drugs. So where is the discount for retirees?
How can a government create an insurance plan for the elderly and disabled without a prescription drug plan in it's compliment? Would it be safe to say that many years ago medications were not as widely used, therefore Medicare never adapted to revise such a plan to include a discount for those incomes that are not set to increase very much because of retirement or disability?
In working for many years in the United States, is this all this country has to offer it's retirees? Medicare's plan is one without the icing. Why should the individual have to go to a pharmaceutical company for a discount of sorts? What should occur is Medicare should work in conjunction with the pharmaceutical companies to create a discount prescription plan within Medicare part D; that will offer those people on Medicare their medications at a cheaper cost.
It may be difficult for an older or disabled person to be put in the situation of contacting perhaps more that one pharmaceutical company for assitance regarding a discount for medications and it is also of extreme inconvenience.
There should be a program of automation put forth, in that once a person becomes eligible for Medicare and part D, The discount arranged from Medicare by the pharmaceutical companies would automatically become effective. In doing so you have an efficient transaction between customer and pharmacy. The medicare part D recepient will present their prescription card and make a very minimal copay to obtain their medication at a huge discount. This would be done without forms and questionnaire's for the customer to endure when trying to obtain medications as this information would already have been received once enrolled into the Medicare plan.
The current approach to medications under medicare has become truly cumbersome for the customer. Medicare needs to finish making the cake before it can consider itself a plan suitable enough for the disabled or retiree.
How can a government create an insurance plan for the elderly and disabled without a prescription drug plan in it's compliment? Would it be safe to say that many years ago medications were not as widely used, therefore Medicare never adapted to revise such a plan to include a discount for those incomes that are not set to increase very much because of retirement or disability?
In working for many years in the United States, is this all this country has to offer it's retirees? Medicare's plan is one without the icing. Why should the individual have to go to a pharmaceutical company for a discount of sorts? What should occur is Medicare should work in conjunction with the pharmaceutical companies to create a discount prescription plan within Medicare part D; that will offer those people on Medicare their medications at a cheaper cost.
It may be difficult for an older or disabled person to be put in the situation of contacting perhaps more that one pharmaceutical company for assitance regarding a discount for medications and it is also of extreme inconvenience.
There should be a program of automation put forth, in that once a person becomes eligible for Medicare and part D, The discount arranged from Medicare by the pharmaceutical companies would automatically become effective. In doing so you have an efficient transaction between customer and pharmacy. The medicare part D recepient will present their prescription card and make a very minimal copay to obtain their medication at a huge discount. This would be done without forms and questionnaire's for the customer to endure when trying to obtain medications as this information would already have been received once enrolled into the Medicare plan.
The current approach to medications under medicare has become truly cumbersome for the customer. Medicare needs to finish making the cake before it can consider itself a plan suitable enough for the disabled or retiree.
In : Insurance