Maryland Medicare Part D Plans

Comparing features of 2014 Maryland Medicare Part D PlansMaryland Part D

There are basically two ways you can receive Part D coverage; you can enroll in a Medicare Advantage Plan that includes drug coverage or you can join a stand-alone Part D Plan.

If you are going to receive your benefits from original Medicare either with or without a supplemental policy you should choose one of the 31 Part D Plans available in Maryland for 2014.

When comparing Part D drug Plans there are many factors to consider. Finding a plan that includes all of your required medications with features you find important will take a little time and research.

The following is a complete list of Part D Plans available in Maryland and organized in a manner that will allow you to make side -by-side comparisons of plan features.

 

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Maryland Medicare Part D for 2014


Aetna Medicare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Aetna CVS/pharmacy Prescription Drug Plan (PDP)Basic $31.00 $310.00No Gap CoverageComing Soon
Aetna Medicare Rx Premier (PDP)Enhanced $121.40 $0Few GenericsComing Soon



Cigna Medicare Rx

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Cigna Medicare Rx Secure (PDP)Basic $30.60 $310.00No Gap CoverageComing Soon
Cigna Medicare Rx Secure-Max (PDP)Enhanced $109.00 $0Many Generics, Some BrandsComing Soon
Cigna Medicare Rx Secure-Xtra (PDP)Enhanced $56.30 $0No Gap CoverageComing Soon



Cigna-HealthSpring

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Cigna-HealthSpring Rx -Reg 5 (PDP)Basic $32.80 $310.00No Gap CoverageComing Soon



EnvisionRx Plus

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
EnvisionRxPlus Silver (PDP)Basic $33.50 $310.00No Gap CoverageComing Soon



Express Scripts Medicare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Express Scripts Medicare – Choice (PDP)Enhanced $49.60 $0No Gap CoverageComing Soon
Express Scripts Medicare – Value (PDP)Basic $29.10 $310.00No Gap CoverageComing Soon



First Health Part D

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
First Health Part D Essentials (PDP)Basic $49.50 $310.00No Gap CoverageComing Soon
First Health Part D Premier Plus (PDP)Enhanced $95.90 $0Some Generics, Some BrandsComing Soon
First Health Part D Value Plus (PDP)Enhanced $39.00 $0No Gap CoverageComing Soon



HealthMarkets Medicare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
HealthMarkets Value Rx (PDP)Basic $31.50 $310.00No Gap CoverageComing Soon



HM Health Insurance Company

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
First State Complete (PDP)Enhanced $130.80 $0Many GenericsComing Soon
First State Plus (PDP)Basic $74.30 $310.00No Gap CoverageComing Soon



Humana Insurance Company

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Humana Enhanced (PDP)Enhanced $51.80 $0Few BrandsComing Soon
Humana Preferred Rx Plan (PDP)Basic $22.80 $310.00No Gap CoverageComing Soon
Humana Walmart Rx Plan (PDP)Enhanced $12.60 $310.00No Gap CoverageComing Soon



Medi-CareFirst BlueCross BlueShield

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
BlueRx Enhanced (PDP)Enhanced $170.50 $-Many GenericsComing Soon
BlueRx Standard (PDP)Basic $111.40 $255.00No Gap CoverageComing Soon



Stonebridge Life Insurance Company

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Transamerica MedicareRx Choice (PDP)Enhanced $51.10 $0No Gap CoverageComing Soon
Transamerica MedicareRx Classic (PDP)Basic $40.00 $310.00No Gap CoverageComing Soon



Symphonix Health

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Symphonix Rite Aid Value Rx (PDP)Basic $30.40 $310.00No Gap CoverageComing Soon




UniCare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
MedicareRx Rewards Standard (PDP)Basic $45.30 $310.00No Gap CoverageComing Soon



United American Insurance Company

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
United American – Enhanced (PDP)Enhanced $59.10 $100.00No Gap CoverageComing Soon
United American – Select (PDP)Basic $33.00 $310.00No Gap CoverageComing Soon



United Healthcare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
AARP MedicareRx Enhanced (PDP)Enhanced $97.30 $0Some Generics, Some BrandsComing Soon
AARP MedicareRx Preferred (PDP)Enhanced $39.70 $0No Gap CoverageComing Soon
AARP MedicareRx Saver Plus (PDP)Basic $22.50 $310.00No Gap CoverageComing Soon



WellCare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
WellCare Classic (PDP)Basic $21.90 $0No Gap CoverageComing Soon
WellCare Extra (PDP)Enhanced $50.40 $0No Gap CoverageComing Soon


 

Why Part D formularies matter

There are several things to consider when choosing a Part D Plan but none is more important than the formulary. The formulary is the list of drugs which are covered by the plan. Formularies are either basic or enhanced.

Basic Formulary

A basic formulary will include the most popular drugs taken by Medicare beneficiaries but may not include less common brand-name medications. If all your drugs are covered by a plan with a basic formulary that you find acceptable, you can enroll in that plan knowing that you are not paying more than necessary by joining a plan with an enhanced formulary.

Enhanced Formulary

A plan with an enhanced formulary will include all the drugs of the basic plan from the same company and then some. If you have a chronic health condition or require less popular name brand drugs you may require a plan with an enhanced formulary. Many enhanced formulary plans do not include an annual deductible and may offer additional coverage while you are in the donut hole.

A plan’s formulary will also indicate which tier each drug is listed in. The same drug may be listed in different tiers by different companies. So it’s not enough just to be certain that your drug is covered. Comparing tier placement of drugs may allow you to save some money. Several factor go into determining your ultimate annual cost and if you are going to find the most suitable 2014 Maryland Part D Plan you should be prepared to do your homework.

2 comments

  1. Why aren’t the formularies available on-line??????

  2. Larry, Some companies do post plan formulariers online, but finding that information on their websites can be a challenge. It seems like most sites offer some type of Look-Up tool. The challenge for independent sources to make this information avaialble is the lack of transparency as well as the fact that a national plan may have different formularies depending on which State it is avaialale in.

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