There are literally dozens of Medicare Part D sponsors offering multiple Medicare Rx plans. If you are interested in Medicare drug plans from Universal American, you’ll want to begin your research at communityccrx.com.
But not so fast… navigating a sponsor’s Part D website can often be more difficult than it looks. There are certain pieces of information that you must review to determine whether or not a particular Medicare Rx plan will meet your needs.
This article is designed to arm you with the information required to get the most out of your research whether you are considering a Community CCRx Part D Plan or other popular alternatives such as AARP Medicare Part D or Humana Walmart Preferred Rx. In fact it makes good sense to visit more than one website to gather information.
Evaluating Community CCRx PDP
When visiting the communityccrx.com homepage you’ll want to begin by selecting the Find a Plan link near the top of the page. This will allow you to enter your zip code to see plans in your area. You can also fine-tune your search by indicating what prescription drugs you are currently taking. This is important because you will learn which Community CCRx PDP formulary is your best option.
Part D Plans available from Community CCRx include:
- Community CCRx Basic PDP
- Community CCRx Choice PDP
Aside from the monthly premium the main differences will be the annual deductible amount and the Part D formulary or list of covered drugs.
The Community CCRx Basic drug plan will have a lower premium but will require that you pay a $320 annual Part D deductible. This plan is for people who do not require an expanded formulary due to a chronic condition or people who require less common medications. One benefit of Community CCRx Basic is the ability to get Lipitor or Crestor for $2 per month.
The Community CCRx Choice drug plan has a higher monthly premium but does not require an annual deductible. Tier one drugs are available for a $0 copay as is Lipitor and Crestor. Tiers two through four require a fixed copay where as the same tiers on the Basic PDP plan require a percentage of the drug cost.
Choose the Community CCRx Choice Medicare drug plan if you require an expanded formulary or like not having a deductible and having greater certainty over copay amounts.
Other Part D considerations
It’s important to learn about prior authorizations and any changes to the plan’s formulary. Part D plans can eliminate or add drugs during the course of the year. Having a printed formulary may leave you with out-dated information. If you have any questions you can speak with an insurance agent who represents Community CCRx Part D Plans. Or if you have trouble navigating the www.communityccrx.com web site you can always call the toll free number to speak with customer service.
Once you have found a Medicare Part D Rx plan make certain that your pharmacy is in-network and that you are satisfied with the value offered by any mail order program.
If after reviewing the information on the Community CCRx website and if you determine that it is right for you, enrollment can be done online as long as you are eligible to enroll.