Medicare Advantage and Your Medications

You may have heard that starting next year, Medicare Advantage insurers may limit the choices available for your medications.

It’s called “step-therapy” and it refers to the fact that, if you need a medicine beyond the basics in each class, your doctor is going to have to get approval from the insurance company to get it.

A pain for her and a pain for you.

This is new in Medicare Advantage.

It’s a way to save your insurer money.

Fortunately, not all Medicare Advantage plans have that as a feature.

If it’s important to you, talk to your insurance agent and find out if there is an alternative Medicare Advantage plan without a step edit for drugs.

You just might find one that fits the bill without additional costs.