I am researching medicare HMO plans that cover my husbands meds and he has one med that is very expensive with no generic alternative. What should I be researching? Straight medicare and then add a prescription plan? And I don't understand deductibles, do we have to pay thousands first and then the plan kicks in and then we pay a reasonable amount for the covered drug?
We have been spoiled with my HMO from my work, and not having to pay any deductible at all.
Any suggestions of where to begin my search? I have been comparing plans for TV on the medicare.gov website.
thanks in advance
