No rush to sign up for Medicare drug discount cards

If you are on Medicare, there is a good chance that you have received information in the mail regarding the new Medicare-approved Drug Discount Cards. You have probably seen television and newspaper advertisements encouraging you to sign up right away for a card.

Do not feel pressured. Let me assure you that time is not fleeting, and there is absolutely no reason to “hurry and sign up” for a card. In fact, you do not need to sign up at all. This is a completely voluntary program.

It is important to note that card sponsors are not allowed to contact you in person or by phone. If someone who is trying to sign you up for his card approaches you, do not give him any personal or financial information such as your Social Security or bank account numbers.

The best thing you can do when choosing a card is to take your time, weigh your options, and investigate the cards carefully before making a decision. Eastern Agency on Aging staff has gone through extensive training, which will enable us to assist you. We will help you narrow down the number of cards being offered to those that might be suitable to your particular case. As always, there is no cost for this service.

Here are answers to questions you might have:

Q. Who can get a Medicare-approved Drug Discount Card?

A. Anyone who has Medicare Part A and-or Part B and does not have outpatient drug benefits through MaineCare (Medicaid) is eligible for a discount card.

Q. What’s this I hear about a $600 credit?

A. You may be eligible for a $600 credit to help pay for your drug costs if you meet the following requirements: You have Medicare Part A and or B; you do not have outpatient prescription coverage through a health insurance plan (except a Medicare Plus Choice plan or Medigap policy); and your 2004 income is no more than $12,569 for a single and $16,862 for a couple.

Q. How do I get a card?

A. First, make a list of your prescriptions. Then check which of your drugs are offered at a discount by each card. When you find a card that suits your needs, make sure your pharmacist accepts it. To get the card you’ve chosen, you’ll need to complete an application. There is a standard application form that will be accepted by each sponsor, or you can complete the sponsor’s application form. Your pharmacy may be able to get a form, or you can call Eastern Agency on Aging to request one.

Q. When should I sign up for a card?

A. Again, there is no rush. The cards become effective June 2004 and are valid until December 2005.

Q. Do I have to pay for the card?

A. Yes. The card can cost up to $30 per year. This fee is waived, however, if you are low-income and eligible for the $600 credit.

Q. Can I have more than one card, or can I change cards?

A. No, on both counts. You may have only one card at a time. You can only change cards between Nov. 15 and Dec. 31, 2004. This is why it is vital to be very careful when choosing a card. Also keep in mind, the prescriptions covered by the card and their prices may change any time. You do have the option of canceling your card if you wish.

I hope this clears up a little of the confusion surrounding the drug cards. Watch next week for more on the topic. If you have questions, call us. We are always eager to help you.

Carol Higgins is director of communications at Eastern Agency on Aging. For information on EAA, call 941-2865, log on www.eaaa.org, or e-mail us at info@eaaa.org.