Congratulations! Your Situation is Catastrophic!

101_2532Never did I think that being in a catastrophic situation would be a good thing, but when it comes to Medicare and prescription drug coverage, it isn’t bad.

Since Steve is permanently disabled, last year he became eligible for Medicare. We selected a Medicare Advantage plan.  His plan has four drug payment stages, but Stage 1 does not apply to Steve’s plan, so he starts in Stage 2. He stays in that stage until year-to-date “total drug costs” reaches $2,970.

At the end of Stage 2, we’ve hit the “donut hole”, or Stage 3. This means Steve receives limited coverage, and he stays there until we’ve paid $4,750 in out-of-pocket costs. Stage 4 is called “Catastrophic Coverage” and here most the plan pays most of the cost for the covered drugs. I knew our costs would reach this point this year, but I didn’t know when.

Well, we’ve hit it already! It’s sort of a “Good grief!” feeling but paying the bill at the pharmacy last night was exciting! A prescription that last time cost  over $250 for a two month supply only cost $27 for the same amount last night. Yeah!!

Categories: Caring for Spouse and Kids,G-J's Blog

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6s Comments

  1. Profile photo of Pegi

    GJ, I know right where you’re at. Love the other side of the donut hole; always a good day when we hit it! My husband is on about 11 RX’s,losing count with recent changes. Celebrate!!! :) I must admit, your title scared me when I saw it! Glad the news is good.

  2. Profile photo of tiredamy2007


    My dad takes so many medications that each year by May or June he hits the catastrophic stage. I think it is awesome that medicare has that so the at least one thing is less for you. i am so glad it was better this month. YAY.


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