FEP Blue's (Standard) brochure does not list a cost to the MPDP. Is there one? The brochure notes that there is a $2,000 limit to out of pocket drug expenses.
As far as I can tell FEP Blue also doesn't calculate annual costs of the various Tiers of drugs. It looks like we have at least one Tier 4 specialty, maybe two. So calculating annual drug costs is nearly impossible for us as our medical condition (in our 70's) changes quickly. I do have $5,700 in my accounting system noted for out of pocket prescription drug expenses.
So based on what little information I have it would seem I could potentially save as much as (5700-2000=$3,700).
But what does IRMAA do to me and does it make any difference if I go with MPDP or not? Our income varies very widely one year to the next and now I am worried.
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