Vermont Medicare Part D Plans

Side by side comparison of Medicare Part D Plans available in Vermont for 2014Vermont Road Sign

There are many aspects of Medicare Part D Plans you should consider beyond the monthly premium amount.

The value of a Part D Plan is something that must be measured against your individual needs and with 28 Medicare Part D Plans available in Vermont for 2014 you have some work ahead of you.

The following list of plans will allow you to complete a side by side comparison of individual plan features.

You can compare monthly premiums, types of plans (basic or enhanced), deductibles, whether or not there is additional gap coverage and Medicare Star ratings.

This list is a place to start. To be certain that you have found the best plan, you should visit plan websites and research the cost-sharing structure, mail order benefits and plan formulary.

 

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Vermont Medicare Part D for 2014


Aetna Medicare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Aetna CVS/pharmacy Prescription Drug Plan (PDP)Basic $26.30 $310.00No Gap CoverageComing Soon
Aetna Medicare Rx Premier (PDP)Enhanced $120.50 $0Few GenericsComing Soon



Blue Cross and Blue Shield of Vermont

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Blue MedicareRx Premier (PDP)Enhanced $99.70 $0Many Generics, Few BrandsComing Soon
Blue MedicareRx Value Plus (PDP)Basic $33.30 $225.00No Gap CoverageComing Soon



Cigna Medicare Rx

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Cigna Medicare Rx Secure (PDP)Basic $27.60 $310.00No Gap CoverageComing Soon
Cigna Medicare Rx Secure-Max (PDP)Enhanced $113.80 $0Many Generics, Some BrandsComing Soon
Cigna Medicare Rx Secure-Xtra (PDP)Enhanced $58.20 $0No Gap CoverageComing Soon



Cigna-HealthSpring

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Cigna-HealthSpring Rx -Reg 2 (PDP)Basic $33.40 $310.00No Gap CoverageComing Soon



EnvisionRx Plus

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
EnvisionRxPlus Silver (PDP)Basic $48.80 $310.00No Gap CoverageComing Soon



Express Scripts Medicare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Express Scripts Medicare – Choice (PDP)Enhanced $49.50 $0No Gap CoverageComing Soon
Express Scripts Medicare – Value (PDP)Basic $44.20 $310.00No Gap CoverageComing Soon



First Health Part D

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
First Health Part D Essentials (PDP)Basic $48.40 $310.00No Gap CoverageComing Soon
First Health Part D Premier Plus (PDP)Enhanced $99.30 $0Some Generics, Some BrandsComing Soon
First Health Part D Value Plus (PDP)Enhanced $45.90 $0No Gap CoverageComing Soon



HealthMarkets Medicare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
HealthMarkets Value Rx (PDP)Basic $25.30 $310.00No Gap CoverageComing Soon



Humana Insurance Company

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Humana Enhanced (PDP)Enhanced $46.90 $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



Stonebridge Life Insurance Company

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Transamerica MedicareRx Choice (PDP)Enhanced $51.70 $0No Gap CoverageComing Soon
Transamerica MedicareRx Classic (PDP)Basic $40.90 $310.00No Gap CoverageComing Soon



UniCare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
MedicareRx Rewards Standard (PDP)Basic $51.10 $310.00No Gap CoverageComing Soon



United American Insurance Company

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
United American – Enhanced (PDP)Enhanced $61.20 $120.00No Gap CoverageComing Soon
United American – Select (PDP)Basic $38.80 $310.00No Gap CoverageComing Soon



United Healthcare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
AARP MedicareRx Enhanced (PDP)Enhanced $100.70 $0Some Generics, Some BrandsComing Soon
AARP MedicareRx Preferred (PDP)Enhanced $40.60 $0No Gap CoverageComing Soon
AARP MedicareRx Saver Plus (PDP)Basic $21.50 $310.00No Gap CoverageComing Soon



WellCare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
WellCare Classic (PDP)Basic $22.30 $0No Gap CoverageComing Soon
WellCare Extra (PDP)Enhanced $50.90 $0No Gap CoverageComing Soon



 

Here’s why you need to explore the Part D formulary

The formulary is the key to choosing the best plan. A formulary not only lists all the covered medications but it also identifies which tier those medications will be placed in.

Tier placement will often have a greater impact on the total annual cost of a Part D Plan than the premium. This is especially true if you require several drugs listed in the upper tiers.

An often overlooked fact about Part D Plans is that a drug can be listed in different tiers by different companies. Their is a mistaken belief that individual drugs must be listed in the same tier by all companies and plans.

Explore plan formularies to learn:

  • Which drugs are included
  • Which tiers your medications are listed in
  • To compare tier placement among plans you are considering

You can use search filters or drug look up tools on plan websites but if you really want to get a complete picture of a plan’s formulary you should consider printing or requesting a hard copy.

This can help with any future medications that may be prescribed. Often times a doctor has more than one drug choice to treat a symptom so knowing what your costs will be ahead of time can ensure you get a prescription for the lowest cost.

Use the above list a starting point to compare Medicare Part D Plans available in Vermont and follow up by visiting plan websites to choose the best plan.

 

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