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I need a prescription drug plan.What do I need to know before choosing a plan?Choosing a Medicare Prescription Drug Plan is an important decision. By determining your needs, you can assess the plans and decide which one is best for you. 1. Find out if you already have prescription drug coverage that is at least as good as the Medicare Prescription Drug Plan (Part D).
2. Determine your costs, being sure to include:
3. Find out if your exact drugs are covered.
Your doctor may be able to prescribe an alternate drug, if a drug that you take is not in the formulary. If you are taking a brand-name drug, your doctor may also be able to prescribe a generic. Find out if there are restrictions on the drugs you take. For example, is prior authorization required? Most plans' formularies provide this information. 4. Finally, determine whether your pharmacies participate in the network.
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