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Looking for a Medicare Part D Plan? Consider These Three Things

Medicare-part-DMany people are surprised to find out that original medicare doesn't cover prescription drugs. For help with the cost of your medications, you can choose a standalone Part D plan or a Medicare Advantage plan with prescription coverage, but navigating your options can be complicated. See

With Medicare Open Enrollment running from October 15 to December 7,  the annual window when you can make changes to your Medicare coverage, now is a good time to learn about how to pick a plan that can best suit your needs.

Kent Monical, senior vice president for Part D at UnitedHealthcare Medicare & Retirement, recommends you consider these three things when choosing a plan.

1. Your drugs

Prescription drug plans can vary significantly. Each Part D plan has a list of drugs, called a formulary, which shows the drugs it covers.

"When considering a Part D plan, be sure your medications are covered," Monical said. "Even if you don't expect to change plans, it's important to make sure your drugs will still be covered next year, as plans can change from year to year."

2. Your pharmacy

Most Part D plans have preferred pharmacy networks. People can typically get their drugs for a lower copay when they visit preferred pharmacies.

"Make sure the plan offers access to pharmacies that are convenient for you," Monical said. "Some plans also have mail-order pharmacy benefits, and you can get prescriptions delivered to your home for a lower cost than purchasing from a retail location."

3. Your total costs

"A low monthly premium plan doesn't necessarily mean it will be the lowest-cost plan," said Monical. "You should also understand the other out-of-pocket costs, including the annual deductible and drug copays."

Plans sort drugs into several tiers, with generic or lower-tier drugs generally costing less than drugs on higher tiers. Talk to your doctor about whether a lower-tier drug might be suitable for you, which could help you save money.

The bottom line

Medicare Open Enrollment is a great time to make sure you have the right prescription drug coverage for your health and budget needs. Monical concludes, "Exploring your Part D options now could help you save money in 2018."

For more helpful open enrollment information, visit  (BPT)

About Sacred Heart Villa

The Sisters of the Sacred Heart of Jesus Christ created Sacred Heart Villa (formerly St. Michael Convent) in 2003 with the vision of providing a personal care home for the Sisters and other seniors of southeastern Pennsylvania. The Sisters renovated St. Michael in order to create 35 personal care residential rooms. Sacred Heart Villa officially opened her doors to her first new residents in May 2004, with space for 57 Sisters and 40 other senior residents.  The facility has two residential buildings, a remodeled dining room, a new fireside lounge, library, cafĂ© and beauty shop. The chapel remains in the middle of the facility for it truly is the Heart of the community. Each new residential room provides an individual with privacy, safety and security in an environment of beauty and grace. Mass is celebrated each day, and is open to the public.

Sacred Heart Villa is now accepting residents. If you are seeking care for yourself or loved one, contact Sacred Heart Villa today at 610-929-5751 for a tour. You can also visit or visit us at