Unfortunately unless you are eligible for a special election period (i.e., you’re on Medi-Cal, you have relocated from a different county or state), Medicare beneficiaries have to wait until Medicare Annual Enrollment (10/15 – 12/7) to select what drug coverage they want to be effective as of the upcoming January 1st.
Not all prescription drugs are covered by any one Medicare drug plan. The drug formulary provided by your prescription drug plan carrier should always be with you when you go to see your doctors or if you are expecting a call from a doctor regarding a new medication. Whether you are on a Medicare stand-alone drug plan or Medicare Advantage/HMO carrier there is an alphabetical listing in the back of your drug formulary booklet to reference to see if the new prescription being recommended for you is on your current prescription drug formulary, and if so, at what tier and cost. Instead of waiting to find out when you go to the pharmacy whether your new prescription drug is covered and at what cost, your formulary will be able to tell you. If the suggested drug is not on your drug formulary for this year, or is but it’s on a higher tier and costly, ask your doctor if there is a lower cost alternative. If one is not available, then ask the doctor if s/he has any samples you can try for a few months before incurring the expense of buying the drug and then having an adverse reaction to the drug or finding out that there is no improvement in your condition.