A Medicare primer just in time for 2014 enrollment

Look! How do I get drug coverage?
Unless you already have prescription drug coverage through the Department of Veterans Affairs, a union, an employer or some other source, it's important to get some kind of drug coverage — either a Part D drug plan if you are on original Medicare or a Medicare Advantage health plan that covers drugs.

You should get coverage even if you don't use any prescription drugs.
It won't cost much. Most people can buy a Part D plan for less than $200 a year and many Advantage plans offer drug coverage without charging an extra premium. If you get sick during the year, you may need an expensive drug and will be happy you paid for coverage up front. More importantly, if you decline drug coverage now, the government will impose a stiff penalty if you want to sign up for it later.

What's the best way to compare costs?
The charts in this section compare estimated costs based on a hypothetical person in good health. However, plan costs can vary widely from person to person, depending on the drugs you take and the services you use.

Read entire article: http://fw.to/qVAciHm A Medicare primer just in time for 2014 enrollment.

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