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Medicare Part D is an addition to the original Medicare plans. This senior health insurance plan supplements the cost of prescription drugs and vaccine shots that are not covered by Medicare Parts A and B.

Equipped with a comprehensive list of prescribed regular-usage drugs along with their dosages and an option for a preferred pharmacy, going through the Medicare Plans for seniors available in the specific area of residence will help find suitable plans for them. Also, studying the costs mentioned in the senior health insurance quotes, including premium and out-of-pocket costs, to see which is affordable is important. Depending on the pharmacy that is chosen, the cost of the senior medical insurance plan may vary. Apart from this, researching other senior health insurance coverage guidelines such as prior authorization where only pre-approved prescriptions for certain precise medical conditions are permitted, the limits on the quantity of drugs that can be procured at any given time, and the suggested step therapy that proposes the insured senior tries other similar drugs before specifically requesting coverage for certain medications, are all fundamental steps in finding the top Medicare plans for seniors.

Depending on how much information is provided at the time of requesting a senior health insurance quote or estimate of the rates of insurance with different insurance companies, they are bound to change. The federal government’s five-star plan ratings depend on the state of residence, how well the plan performs in handling preventative health care, treating chronic health conditions, the swift response and alertness given to care, how member complaints are handled, and the quality of customer service provided, the following companies offer consistently top rated Medicare Part D drug plans:

• AARP Medicare Plans by UnitedHealthcare
• Blue Cross Blue Shield Associates
• California Health Advocates
• Cigna HealthSpring
• Humana

The reviews of Medicare Part D prescription drug plans help in efficiently evaluating and choosing the best Medicare drug plan for seniors. Comparing the costs, premiums, and out-of-pocket expenses covered in the Medicare plan for seniors certainly help save money.