If you have limited income and resources, you may qualify for extra help with the costs for your prescription drug coverage. The amount of extra help depends on your income and resources. If you qualify and join a HAP Medicare Advantage plan with prescription drug coverage or Alliance Medicare Rx, your premiums and copayments may be less.

How does the extra help from Medicare affect what I pay for prescription drugs?

If you qualify for extra help, your costs for prescription drugs will be one of the following, depending on the amount of extra help for which you qualify:

• $0 for generics and brands that are treated as generics; $0.00 for brand name drugs
• $1.10 for generics and brands that are treated as generics; $3.20 for brand name drugs
• $2.25 for generics and brands that are treated as generics; $5.60 for brand name drugs
• 15% co-insurance for all drugs

In addition, there is no “coverage gap” for people who qualify for extra help.

What about extra help for my premium costs?

If you qualify for extra help, Medicare may pay some or all of your Part D premium. The extra help is only for Part D prescription costs, not for medical benefits. The table below summarizes the total premiums for HAP and Alliance plans based on the level of extra help you receive:
 

Your level of extra help	HAP Senior Plus Henry Ford Health System		HAP Senior Plus Expanded Network
	Basic Drug Option	Enhanced Drug Option	Basic Drug Option	Enhanced Drug Option
100%	$39.50	$45.10	$85.40	$87.50
75%	$41.38	$53.08	$87.05	$95.38
50%	$43.25	$61.05	$88.70	$103.25
25%	$45.13	$69.03	$90.35	$111.13

Your level of extra help	Alliance Medicare PPO Value Plan		Alliance Medicare PPO Plan
	Basic Drug Option	Enhanced Drug Option	Basic Drug Option	Enhanced Drug Option
100%	$59.00	$63.90	$102.90	$108.10
75%	$62.25	$72.43	$106.18	$116.58
50%	$65.50	$80.95	$109.45	$125.05
25%	$68.75	$89.48	$112.73	$133.53

Your level of extra help	Alliance Medicare Rx
	Basic Plan	Value Plan	Enhanced Plan
100%	$2.92	$17.92	$31.92
75%	$10.94	$25.94	$39.94
50%	$18.96	$33.96	$47.96
25%	$26.98	$41.98	$55.98

How does HAP know the level of extra help I am receiving for prescription drug costs?

We use the most current information available to us. This is known as the “Best Evidence Available.” When our information or your level of extra help changes, adjustments will be made to ensure that the plan and you share all prescription drug expenses appropriately.

More information about our use of the Best Evidence Available

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The premiums listed above do not include your Medicare Part B premiums that you may have to pay.

If you are already getting extra help, you may receive (or may have received) a letter from Medicare or the Social Security Administration (SSA) about your eligibility for extra help in 2009. Read this important information carefully.

If you don’t know what level of extra help you qualify for, you can call
1-800-MEDICARE (1-800-633-4227) for this information. TTY/TDD users should call 1-877-486-2048. They are available 24 hours a day, 7 days a week.

How do I find out if I qualify?

To see if you qualify for getting extra help, call:

• 1-800-MEDICARE (1-800-633-4227), 24 hours a day, seven days a week. TTY/TDD users should call 1-877-486-2048
• The Social Security Administration at 1-800-772-1213 between
  7 a.m. and 7 p.m., Monday – Friday. TTY/TDD users should call
  1-800-325-0778
• Your state health insurance program