If I Am Not On Medication, Do I Need Medicare Part D?
If you are looking into getting Medicare coverage there are a few things that you really need to know. First, there are many different parts and plans available. Each has their own purpose and the amount you qualify for will be determined by how much you make. Many people think that there present situation should dictate the type of insurance they have when in reality they should be planning for the unexpected. Even if you are not on medication you may need Medicare part D in the future.
Plan Ahead So That You Won't Lose Money
By ahead you will be able to save money in the long run. Most elderly people at some point will need medication to help improve their quality of life. Even if you aren't medication you still may need Medicare part D in the future. Remember that many prescriptions are very expensive, and without coverage a single one could cost hundreds of dollars. With coverage it may only cost a small fraction of that amount. Don't let yourself get into a situation where you wind up paying a lot more money than is really necessary.
Get Peace Of Mind By Getting As Much Coverage As Possible
Along with part D, you should consider covering all other aspects of medical care as well. Inpatient treatment can be very expensive, along with many outpatient doctors visits. Even if you think that you don't need some of these Medicare parts, you must think about the future. Just because your on medication now doesn't mean you won't need Medicare part D in the future. You may also want to consider getting supplemental insurance to help cover costs that may arise in the future as well.