After spending an afternoon interviewing my elderly father-in-law, I gained insight into how he perceives the aging process and the impact on the quality of his life. First, and foremost he viewed aging in a very positive and healthy manner. He believes that a positive attitude assists in accepting physical and psychosocial changes and enjoyed the fact that he and his wife are both physically fit and cognitively alert. He felt confident that advances made in health care and the quality of their lives would continue to be empowering. He enjoys the benefits of being a senior citizen including discounted travel, free education, and other incentives marketed towards seniors. He expressed a sense of well-being with respect to the numerous
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Discount cards may be useful for the purchase of drugs that are excluded by Part D, or for individuals who have reached the donut hole but will not have sufficient drug costs to reach catastrophic coverage. Discount cards also provide discounts on services or supplies not covered by Medicare, such as those relating to vision and dental. The utility of these cards depends on each individual’s situation and will likely require detailed calculations of costs and savings. Also available are Pharmaceutical Company Prescription Drug Discount Programs (Patient Assistance Programs, or PAPs). PAPs operate outside of Medicare Part D and offer free or reduced-cost prescription drugs - mostly to persons with low incomes and no insurance and may still be able to offer assistance to Medicare Part D enrollees. Assistance from PAPs does not count toward Medicare Part D out-of-pocket costs (i.e. toward meeting the deductible, initial coverage limit, and catastrophic coverage). PAPs usually require patients to apply for and be rejected by all other available public assistance as a condition of eligibility, including the Part D low-income subsidy.
During our conversation Charles was proud to discuss his consumer educated choices he has made via Medicare Part B, which is his BCBS managed plan. He was elated and frustrated to have to have waited 77 years to be entitled to in-expensive quality health care. If this was not an option he could not afford