Obtaining Less-Expensive Medication

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It is now cheaper for Americans to buy prescription drugs through the new federal Medicare plan than from a source that was growing extremely popular: Canadian on-line pharmacies. A report by the American Association of Retired Persons (AARP) took five people who needed many medications on a daily basis and compared their expenditures with the cost of the Medicare drug plan, as opposed to shopping over the border.

 Their report illustrated that for four out of the five people, it was less expensive to buy through Medicare — the plan that began back on January first. The AARP factored in all those terms that most of us get confused by when trying to ascertain what they mean — co-payments, monthly premiums, and deductibles.

 The AARP used the best Medicare plan for each person, with one woman saving the most in predicted costs this year for six drugs — about $1,400. The only person who did not fare cheaper in Medicare was taking one prescription. She would have spent about $300 more in out-of-pocket costs to get that drug than if she were to go on-line and purchase it from a Canadian source.

 When Medicare rolled out this year, any American could access coverage by choosing one drug plan out of a bunch. Those with low income are helped along. Those who pay high drug costs will only pay five percent after they’ve spent $3,600 in the year. And it is not mandatory, so if you have a good drug plan already, then there is no obligation to switch.

 “With the Medicare prescription drug program, millions of Americans now have the opportunity to access affordable prescription drugs,” stated a recent AARP press release.

 “Providing a prescription-drug benefit is the most significant change to Medicare in its 40-year history. More than one million prescriptions are being filled every day and people are realizing the savings.”

 When you consider enrolling in Medicare, the AARP suggests doing a few things first:

 — Write out what drugs you take, the dosages, and the costs. — What pharmacy do you use? – Look at your monthly budget to see how much room you have for the drugs. — Get advice from friends and family members. — Compare the options offered by Medicare with companies that offer a plan. — Figure out what aspects of the drug plan are relevant to your situation.

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