The Medicare coverage year is the calendar year beginning on January 1 and ending on December 31.The Medicare Part D coverage gap is referred to as the "Donut Hole". It is during this period when Medicare Recipients are responsible for paying all drug costs out of pocket. It is during this coverage gap that the Free Rx Discount Card can help Medicare Recipients.When a Medicare Recipient reaches the Donut Hole, they should register their Free Rx Discount Card with their Pharmacy, it is fully activated and they do not have to enroll. When they receive a Free Rx Discount Card, they do have to call an 800 number, register or provide any personal information, their Free Rx Card is their membership card. To receive member discounts of up to 75% on their prescription drugs the Medicare Recipient simply presents their card to the pharmacist of their choice as a secondary form of payment just before falling into the Medicare Donut Hole and they receive discounts on all their out of pocket drug expenses.
To begin the Medicare benefit year, the recipient pays the deductible which is $310.00, they should not use the free Rx card during this period, even though it will save them money, it will take longer to fulfill their Medicare deductible. After the $310.00 Medicare Drug Benefit Deductible, the Medicare Recipient pays 25% of the next $2840 of drug costs, continue to use Medicare Benefits during this period. It is during the next period when they enter the "Donut Hole" that it is time to use the Free Rx Discount Card.
Once the Medicare Recipient has reached the$2840 in prescription drug costs they must now pay 100% of the next $1710 in prescription Drug expenses, this is when it is time for Medicare Recipients to use their Free Rx Discount Card that will save them up to 75% on the cost of Generic Medications. While a Medicare Recipient is using their Free Rx Discount Card, from $2840 to $4550 be sure they submit all of their out of pocket prescription drug receipts to their Primary Medicare Drug Benefits Provider because once they reach a total of $4550 in prescription Drug Expenses, the Medicare Recipients Catastrophic coverage begins and prescription Medication is again a covered expense, at this point they should stop using their Free Rx Discount Card.
Another Time When Medicare Recipients Should use the Free Rx Discount Card:
There is another time during Medicare Coverage when a Medicare recipient would benefit from the Free Rx Discount Card. Occasionally Medicare Recipients will come across prescriptions that are not covered under Medicare, this is a time when the Free Rx Card will benefit them. When the Pharmacists says that this prescription is not covered under Medicare, how would you like to pay for it? The Medicare Benefits Recipient should ask the Pharmacist, " What is my discount with my Rx Card?". The Pharmacist will then enter the Member # RXC963313, Rx Group Number: RXC08190, RX Bin : 013824, RxPCN: RXCUT and the the automatic savings will be generated by the computer cutting the price of the prescription up to 75%.
With the Extra Help of the Free Rx Discount Card Medicare Recipients should be able to get through the Donut Hole with very little financial difficulty. The Free Rx Discount Card is free to use, does not need to be registered and provides automatic benefits even to Medicare Recipients.