I have a Blue Cross Part C Medicare Advantage plan that includes the equivalent of Part D drug coverage. (All Medicare Advantage plans that have drug coverage have to be as good as a free-standing Part D drug plan.) So I get the regular coverage, the donut hole, and catastrophic coverage just like everybody else with a drug plan.
I just happen to be taking a Tier 5 specialty drug for MS they charge over $60,000 per year. They charge fixed percentages of the retail price so I blow through the coverages into catastrophic in the first two months of the year. Then I have to pay 5% of retail which is over $300/month.
Thanks Congress, for not letting Medicare negotiate drug prices!
