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Wisconsin Medicare Insurance

Wisconsin Medicare Drug Plans: Stand-Alone or Part of Medicare Advantage

Wisconsin Medicare Prescription Drug Plans, also known as Part D or PDP, offer coverage for medications taken at home and lower the out-of-pocket costs for these prescription drugs. Original Medicare and Medicare Supplement plans don't offer drug coverage, making prescription drug plans a necessary choice for seniors enrolled in Medicare.

Medicare Part D plans are offered in two primary formats: stand-alone, or as part of a Medicare Advantage plan. You can obtain a Medicare Part D plan as a stand-alone plan after enrolling in Original Medicare's Part A and/or Part B. Another alternative is to get a stand-alone Part D plan to go along with your Medicare Supplement insurance.

Some Medicare Advantage plans offer prescription drug coverage as well as medical benefits. These are called MAPD's. They can have different deductibles and offer a limited or extended formulary on different plans even from the same company. If you are enrolled in an MA only plan, HMO or PPO, you cannot add a prescription plan. Per Medicare law, if you enroll in a prescription plan when you are enrolled in an HMO or PPO Medicare Advantage plan, you will automatically be dis-enrolled from your MA and will lose your medical coverage. There are limited Private Fee for Service (PFFS) MA plans available, mostly in rural areas, and you MAY add a stand-alone PDP to a PFFS plan.

If you're about to turn 65 and have just enrolled or are about to enroll in Medicare, this is the time to choose a Part D plan to go along with the private Medicare you have chosen. Whether you choose Medicare Advantage or a Medicare Supplement, adding a Part D plan at this time is simple.

If you're already in a private Medicare plan and need drug coverage, you may need assistance to get the information you need. FFRG has specialists that can identify which Part D plans are available to you and help you find the right one for your needs.

Does your current plan cover all of your drugs or has the premium increased to an uncomfortable level? We can review your existing coverage and current prescriptions and help you move to another plan to lower your out-of-pocket costs.

Our Wisconsin Medicare Part D specialists are to help you. Call FFRG at 800-354-3548 for more information.

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Medicare Supplement Insurance Plan Disclosures

Neither Future Financial Resource Group nor the Medicare Supplement insurance policies it sells are connected with or endorsed by the U.S. government or the federal Medicare program.

Plans may be available to persons eligible for Medicare by reason of disability. All plans may not be available in your state/area. Call to receive complete information including benefits, costs, eligibility, requirements, exclusions and limitations.

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