With Medicare's new enrollment season beginning, I want to alert people that it is sometimes cheaper to obtain generic drugs without using their Medicare Part D and incurring the co-pays charged by their Plan D. I have Silver Scripts Choice Plan D (the cheaper of the 2 Silver Scripts plans offered in Florida). My monthly Plan D premium is currently $26.40. My generic thyroid drug, levothyroxine, is a Tier 2 drug under this plan and would cost me $44.46 for 90-days IF I obtained it using my plan and a Silver Script Preferred Mail-order pharmacy. I am getting the very same drug without using my insurance through Walmart's Pharmacy for $10 for 90 days, saving me $34.46 every 90 days or $103.38 per year. Please review your options rather than unneccessarily enriching insurers. By the way, The other, more expensive Silver Scripts Plus plan at $71.40/month ($45/mo more than Choice Plan) for 2018 has levothyroxine in their formulary as a Tier 1 with $0 copay if I got it via preferred mail-order pharmacy. I will still enroll with Silver Scripts Choice for 2019 at $28 per month since I must have a Plan D and it has no deductible. It is the most cost-effective plan for me. Review your prescription needs, drug formularies and co-pays to be sure you are making the right decision when opting for a Plan D.
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