Reviewing The Best Medicare Plans and Medicare Insurance

Unicare MedicareRX Rewards Standard And Plus Review

If you have not heard of Unicare it probably is because they have only been around for 12 years, and they don’t do much advertising either.  They do offer two Medicare Prescription Drug Plans (PDP)’s named the Medicare RX Rewards Standard plan and the MedicareRX Rewards Plus plan.  Like many other companies they offer a network of national and local pharmacies numbering around 60,000.  Since their plans vary in coverage from state to state I am going to show you coverage that applies for several of them. (Iowa, Minnesota, Montana, Nebraska, North Dakota, South Dakota, Wyoming)

Unicare MedicareRX Rewards Standard

  • Premium is $52.50
  • Deductible is $320
  • Tier 1 – $4 copay; Mail Order $6 for 90 day supply
  • Tier 2 – $7 copay; Mail Order $10.50 for 90 day supply
  • Tier 3 – $33 copay; Mail Order $82.50 for 90 day supply
  • Tier 4 – $90 copay; Mail Order $225 for 90 day supply
  • Tier 5 – 25% copay
  • Tier 6 – 25% copay
  • Mail order does receive a discount with Tiers 1 through 4

Unicare MedicareRX Rewards Plus

  • Premium is $95.10
  • Deductible is $0
  • Tier 1 – $4 copay; Mail Order $6 for 90 day supply
  • Tier 2 – $7 copay; Mail Order $10.50 for 90 day supply
  • Tier 3 – $45 copay; Mail Order is $112.50 for 90 day supply
  • Tier 4 – $90 copay; Mail Order $225 for 90 day supply
  • Tier 5 – 33% copay
  • Tier 6 – 33% copay
  • Mail order does receive a discount with Tiers 1 through 4
  • Additional coverage offered through the coverage gap for some generics

WOW:  Not much difference between the two plans except for the premium and deductible!  In fact, the Plus plan is more expensive on three of the six tiers.  The one advantage that the Unicare MedicareRX Rewards Plus plan offers is the additional coverage through the gap on some generics.

NOTE:  These plans have a six Tier structure which is very unusual!  The Tiers are broken down like this:  Tier 1 is preferred generics, Tier 2 is non-preferred generics, Tier 3 is preferred brand, Tier 4 is non-preferred brand, Tier 5 is injectable drugs, and Tier 6 is specialty drugs.  They have added the injectable drugs tier as it’s own tier.  I’m not sure if this is good or bad.  The best thing to do is to compare at medicare.gov

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