For supplements yes always but sometimes an MA is a good fit if they want the free gym membership etc. and all the providers are in network.Tricare will coordinate with MA
That's what I thought. They can have both. Her problem is that a specific medication she needs is in short supply and the alternative is very costly. So she has no subsidy and only Original Medicare and TriCare. I told her I can't do anything until October but the drug she needs can be ordered through a MAPD and she could get some of the other extra benefits. If she can't have an MAPD and TriCare, can I enroll her in a stand alone prescription drug policy to fix her problem without a penalty? I'm not desperate for the sale, I'm trying to fix a problem. Maybe I wasn't clear on that in my original post.
TriCare for Life DOES NOT COORDINATE WITH Medicare Advantage plans. In my 18 years in this business, a TriCare for Life individual is a definite walk-a-way. You have TriCare for Life and then TriCare the latter is a plan for those NOT ON MEDICARE. I've seen many individuals over my years who have similar problems, but the best advice is for them to remain on TriCare for Life. If you should be so bold as to put them on a MAPD or PDP, you will be doing them a huge disservice because you will effectively pull them out of TriCare and they will never be able to get it back. I've never come across a case that made sense to do that. If you intend to move them, I'd advise you to make sure your E&O up to date is all I can add. This is a example of some of the hardships that exist in our present medicare world. Many are between a rock and a hard place such as this individual. The better option for you would be to see if they are eligible for LIS, MSP or if there is a local Pharma-program. In addition, ALL drug companies have need based programs they offer. Go to the manufacturers website and look for their Patient Assistance Program. Those would be the best solutions, but most certainly not moving them to a MAPD or a PDP.