How-To: Find the best Medicare Part D prescription drug plan
So we're in the open enrollment period for Medicare Part D. It started on November 15, and it ends on December 31. I've been doing consulting twice a week, and the scramble is in full effect. While I do quite a bit more than plunk in drugs and quantities for my consulting, there is one tool that is the backbone of what I do when running various scenarios. It's the Medicare.gov plan finder.
This guide does not apply if you have a hybrid medicaid-medicare plan through your state. Those folks know who they are, and if you have no idea what I'm talking about, you don't need to worry about it.
Before you begin you'll need three things:
- A complete drug list of the person you're doing the research for. This means you'll need drug names, strengths, and quantities. Calculations are done for a 30-day supply, so if you take something 3 times a day, the quantity for 30 days will be 90.
- About five minutes
- An Internet connection (har har)
Here's a walk-through, so you'll want to open the link in a new window or tab…
MTM and the community pharmacist
I've seen a lot of hesitation on the part of community pharmacists over the last couple of years to interface with doctors, and to suggest therapy changes. When asked why, many of them have responded that they feel that it's not their place to do so.
I think this is bollocks. I think they're afraid.
It IS in your purview to make therapy recommendations. This is especially true for elderly people on Medicare Part D. For the first time (ever?) we have a system that indirectly rewards a large segment of the patient population for using fewer healthcare resources. (You don't hit the donut hole, so you save money.)
But what about those people who legitimately consume large amounts of healthcare dollars? They need an advocate. And that's YOU. The community pharmacist. When situations like this arise, you're the one that should go to bat for the person on the other side of the counter, because no one else can.
Interfacing with a doctor
Some pharmacists are hesitant to interface with a doctor's office. Maybe they're worried that they'll get stuck on the phone all day trying to make a change to a less expensive drug. But there are ways around this.
It's called asynchronous communication. And it's more efficient and less demanding on both your time and the doctor's time because it allows the both of you to communicate when you each have time rather than employing The Interrupter — AKA the telephone. This is the difference between urgency and importance. What you have to say is not usually urgent in this context. But it is important.
Last November and December, I made 25-30 suggestions for drug therapy change during the course of my Medicare consulting — all of them via fax — and all of them were accepted. This saved my patients an average of $500/year. This is serious money for someone on a fixed income.
Speak their language
Not all of these changes are silly little things like switching from one drug in a class to another. Or trying an ACEi instead of an ARB. Some of these changes were broad, tackling a given medical problem (or even multiple co-morbidities) from a different angle. Many of your elderly patients — particularly those with chronic illness — see multiple doctors, and lots of times there's no communication going on. In these instances you are the FOCAL POINT for their drug therapy. You are the gatekeeper, you see everything they take on your little computer screen. (Unless they're one of the relatively few people who enjoy playing Musical Pharmacies.)
In these cases you've got to speak their language. Don't even bother making a suggestion unless you are familiar with the latest treatment paradigms. If you want to change someone's insulin from a hojillion-dollar version to something more reasonable, be sure you're aware of the pharmacokinetic differences between the two. In your note to their endocrinologist, mention that you ARE aware of these differences but that you've spoken to Mrs. X and she is willing to try something new, and that this something new will save her $2000/year if it works.
Doctors listen, and they're usually willing to experiment if the patient is.
There are two types of "best drug"
You bring knowledge to the table that doctors don't have: how much things really cost. Most doctors have access to formularies if they want them, and they can relatively easily found out what kind of copay a patient will have if they prescribe X.
That used to be enough, but not anymore.
For Medicare Part D patients, the backend cost that the doctor does not have access to is a significant factor. Something might be a $28 copay, but UHC might be kicking in $250 behind the scenes that will quickly eat through someone's drug benefit.
There are two types of "best drug": the drug that is best from a therapeutic standpoint, and the drug that is best from a hybrid therapeutic-financial standpoint. This is the most pertinent concept of "best drug" for the person reaching for their wallet. Why reach for the Norvasc when you haven't tried felodipine?
Make it easy for yourself
You're a pharmacist. You're busy. You're machine-gunning prescriptions as fast as you can. The phone's ringing and one of your techs called out. Today is not the day to be making therapy suggestions. (If you find yourself in this situation often, you need to attend the RJS School of Pharmacy Management.)
But even bad pharmacies have good days. Make a template with your pharmacy name, fax and telephone numbers, with a section for the patient's information, and your notes. Personalize it with your name and titles. If you've got a system where you can type a note to the doctor, great. If not, don't insult insult them with bad handwriting, even though they may not return the favor. Be the bigger person and have someone else write it if you have to — bad handwriting does nobody any favors.
Take out as much of the repetition as you can. You have better things to spend your time on than redundancy.
Battles
There's this misconception that many pharmacists have that they're going to have to have a battle with the doctor to make XYZ changes. First of all, this rarely happens. Second of all, if YOU are battling THE DOCTOR, there is a problem, and it's not with you, if you are speaking on behalf of the patient as their advocate. No battles should occur; it should be a discussion. You know something the doctor doesn't, and maybe he knows something you don't about why s/he chose X drug instead of Y drug.
If you do end up having a battle, stick to your guns, but only if you know for a certainty that the patient will benefit if you do. Compliance issues due to money, dosing, etc. These are legitimate. Having a pet drug that you prefer is not. Conflict is not necessarily bad. Good relationships and mutual respect have been known to grow out of past conflicts.
Closing thoughts
These are the basics in effecting change as a community pharmacist. It is possible to take many of these ideas further, if you choose. Stepping on toes is never wise: step in when you see a patient is having difficulty with money, or if you can see they're otherwise unhappy. Many patients will come right out and ask if there's something else they can use. Some are unhappy with their doctor for any number of reasons, even though they've been seeing him for years. You may have an opportunity to save this patient-doctor relationship, and we all know how important good relationships are when it comes to healthcare, and how long they can take to build from scratch. They're not something to be thrown away lightly.
[tags]Medicine, pharmacy, MTM, community pharmacy, pharmacy practice[/tags]
Hitting the Medicare doughnut hole early
Reading articles like this irritates me more than just a little bit. I have written extensively about the coming Part D doughnut hole already.
Furfaro, a disabled heart-transplant patient, hit the doughnut hole last month when he tried to fill a prescription for two medications. Instead of two $25 co-pays, the pharmacist charged him $661 and $329 for the prescriptions.
"I threw a fit," he said. "What am I supposed to do? I don’t have $661 in my pocket."