Things happen beyond a Medicare beneficiary’s control. There are times that things will happen that will change the way a medication is taken or some medications can be destroyed. When these things happen, Medicare part D beneficiaries don’t always know what to do or what they are entitled to.
Millions of Medicare part D beneficiaries don’t take the time to ask questions to situations they are concerned about. Those that choose not to ask questions often find they aren’t comfortable asking questions when the time comes that they need to ask questions. Rather than allow questions to go unanswered, it’s best that beneficiaries speak up about the things that concern them, no matter how silly they think it is.
What happens when a natural disaster happens and medications are destroyed?
When a natural disaster happens and a beneficiary’s medications are destroyed, most Medicare part D prescription drug plans allow those medications to be refilled with a special override. It’s not something that most beneficiaries need but when the need arises, the override is available almost immediately.
A natural disaster is something that doesn’t escape the attention of the nation. These events happen unexpectedly and often with devastating effects. There are some members that have been affected by flooding, tornadoes, wildfires and hurricanes. Those Medicare part D members that have lost their homes, possessions and medications to these types of events didn’t have any control and aren’t punished for the loss of their medications. Rather than being told to go without their medications, there is an override that can be used to replace their medications until they are eligible for another refill.
When a natural disaster happens and medications are necessary, most beneficiaries go to the pharmacy to request a refill. There are some that only request a partial refill because they assume they will have to pay for the medications out of pocket. Rather than doing that, a Medicare part D beneficiary should explain to the pharmacist what has happened and request a natural disaster override be used. If that override isn’t immediately available to be used, the pharmacist can call the Medicare part D insurance provider and explain why that override is necessary.
During the time that a natural disaster happens, most Medicare part D insurance companies are notified if they have members in the affected areas. Once those notifications are made, most companies automatically place notices in their system on who is eligible for those overrides. It is often a seamless transition but sometimes a representative will have to manually request the override when a pharmacist calls the company.
My dosage changed in the middle before it was time for a refill. Will the insurance cover the cost?
Doctors prescribe medications according to the evidence they see, their diagnoses and what is best for their patients. Medicare part D beneficiaries don’t have control over how their bodies respond to medications and if there has to be adjustments made, most Medicare part D prescription drug plans will allow a new prescription to be filled due to a dosage changed.
There are times that a doctor will write a new prescription for a medication that a Medicare beneficiary is taking and change the dosage. The dosage change could be an increase in the number of pills taken or a change in the medication dosage. No matter what the changes are, if there is a change in the actual prescription, Medicare part D beneficiaries are allowed to have their new prescription filled under the insurance.
Many times, there is nothing that the beneficiary has to do to get the medication filled. When the new prescription is given to the pharmacist, it’s almost always billed to the insurance and the system will reflect the change in prescriptions, allowing the medications to be filled with insurance benefits. When that doesn’t happen, a simple call to the Medicare part D prescription drug plan provider will solve the problem.