Get Your Ohio Prescription Drug Plan Quotes Today!
Pay the lowest possible annual cost for your drugs
Benefits of Us Comparing Your Drug Plan Options
Independent
We are an independent agency and often compare over 15+ Prescription Drug insurance companies to get the lowest annual out pocket costs.
Plan Changes
We review ANOC (annual notice of changes) and let clients know what is changing whether it’s higher premiums, copays, deductibles or the loss of a drug being covered.
Mail Order
Some drug plans can save you more money by using their contracted mail-order pharmacy rather than going to a preferred or standard in-network pharmacy.
Plan Strategies
Learn the three strategies Prescription drug plan companies use to save on costs which include 'Prior Authorization,' 'Step Therapy' and 'Quantity Limits.'
Pharmacies
Pay less for your drugs when you use preferred pharmacies rather than standard pharmacies - which will be pointed out when going over plan options.
Cheaper Alternatives
Save money when our system notices recommendations for generic drugs to possibly replace a brand name drug you are taking, you can ask your doctor about.
Easy Process
After getting your details, plan reviews and recommendations take less than a half an hour, enrollment takes just 5-10 minutes over the phone.
No Sales Pressure
We don’t pressure people into plans – we simply compare their options for them, let them know what they qualify for and let them make the decision.
Our Six Step Process for Comparing Annuity Quotes
1. Get Details
After confirming your prescription drugs we will compare over 15 companies to find you the lowest out of pocket cost for the entire year.
2. Shop companies
We compare 15+ Medicare Advantage insurance companies in order to find you the most competitive benefits that also take all your doctors and prescription drugs.
3. Review Options
After reviewing plan options in your area we’ll take 20 minutes going over our recommendation which may entail you staying with your current plan
4. Submit application
Taking an application is easy and effortless as we collect a few details over the phone to fill out the application that we then email to you to electronically sign and submit.
5. Secure coverage
The application will be effective for the following month or the first of the New Year if it was during AEP, and member ID cards will be mailed out within two weeks.
6. Periodic reviews
After coverage is secured, we check in every few months to see if you need anything or have any questions, all the way up to the following AEP to reshop your options again.
Don’t assume your last year’s drug plan has the same costs for the upcoming year!
Four Phases for Prescription Drug Plans
Deductible Phase
If your drug plan has a deductible, you will pay the full price of your drugs negotiated at the pharmacy retail rate until the deductible is satisfied.
Initial Coverage Phase
During this phase you pay the copays at the different tiers your medications are at, until you AND your plan pay a combined total of $4,660.
Coverage Gap Phase
During this phase you pay 25% of the cost of your drugs at the negotiated pharmacy retail rate until you AND your plan pay a combined total of $7,400 for the calendar year.
Catastrophic Coverage Phase
After you AND your plan pays $8,000, you’ll enter the catastrophic phase where you’ll pay $0 for covered Part D prescription drugs for the rest of the year - which acts as a stop-gap.
Keep In Mind When Comparing Advantage Plans
Prior Authorization
Your doctor has to reconfirm the reason they are prescribing a medication to you – which can hold up a prescription from getting filled in a timely manner
Step Therapy
Your doctor is mandated by the plan to prescribe a less expensive drug for the same condition to see if it’s more effective than the more expensive drug
Quantity Limits
Your doctor cannot prescribe more than a 30 day supply of a certain medication to prevent drug abuse and is usually for opiates and other pain relievers