Maine Medicare drug plans are offered by private insurance providers and fall under the Medicare Part D category. These plans help the beneficiary cover the cost of prescription drugs and can be a boon for people that have pre-existing conditions.
Even if a person does not require prescription drugs, it makes sense to have a Maine Medicare drug plan, as the person can get one within 6 months of qualifying for Part B with the assurance of non-rejection, regardless of the person’s pre-existing condition. One the 6-month period lapses, the person may be required to pay a higher premium and there is no guarantee that the insurance provider would approve the application.
Maine Medicare Drug Plans
The Maine Medicare drug plans offer coverage for all therapeutic drugs that are approved by the Medicare program. The drugs that are approved include antidepressants, anticancer, antipsychotics, immunosuppressants and anticonvulsants. However, individual drug plan will not cover the entire gamut of the prescription medications. Hence, a person should try and opt for a plan that offers coverage for the drugs that he requires. This should be decided on the deductibles, copays and coinsurance that the person is required to pay for each plan type.
Types of Maine Medicare Drug Plans
There primarily are two types of Maine Medicare drug plans which are further divided into different kinds. These basic plans are: