Testimonial
Brand-Name vs. Generic Drug
WHAT MEDICARE BENEFICIARIES NEED TO KNOW
All 54 million people on Medicare have access to the Medicare drug benefit available through private plans approved by the federal government. Individuals can get drug coverage through a stand-alone Medicare Prescription Drug plan or a Medicare Advantage Prescription Drug plan.
“I was recommended to Chris through an acquaintance. He had been very happy with all Chris had done for him. I was apprehensive about how to enroll in Medicare and possibly getting it wrong, but I met with Chris, and he was terrific. He was so knowledgeable and honest and made the process very easy. I’m pleased with the results. I would highly recommend letting Chris help you with setting up your Medicare. The staff is very helpful and professional in all areas. I’m very happy I chose Chris to navigate this for me.” –Dan C.
Medicare beneficiaries who take a generic drug instead of a brand-name medication could save hundreds of dollars in drug costs. The generic drug industry has saved consumers and payers over $1.2 trillion in prescription drugs in the last decade. Why are brand names more expensive? Generic drugs are typically 40% of the cost of their brand counterparts. Brand- name drugs are generally more expensive because of the higher initial costs of developing, marketing, and selling a brand-new drug. However, not everyone can take generic alternatives, as it may not be available, but it may not be medically necessary to take the brand-name drug. You are speaking with a doctor about what medications would work best for your condition, and a generic alternative is recommended. Also, be sure to always talk with your provider before beginning a new medication or switching drugs. If you need to take a brand-name drug, you may have to pay higher out-of-pocket costs, depending on your drug plan’s payment structure. Medicare prescription drug plans often place drugs into different payment “tiers” with different costs for each tier. Higher tiers usually have higher copayment and/or coinsurance costs, and every prescription drug plan categorizes its covered drugs differently. Omaha Insurance specialists can look at the plans with you and see how they treat brand-name and generic drugs to clearly understand what it will mean if you need to take a specific brand-name drug. The plan that’s right for you will depend on which prescription drugs you take and the cost structure involved.
Plant-Based Blueberry Muffins
Inspired by MyDarlingVegan.com
It’s blueberry season! Whip up this simple muffin recipe to celebrate in style.
Ingredients
• 1 cup soy milk • 1 tsp apple cider vinegar • 2 cups flour • 2 1/2 tsp baking powder • 1/4 tsp baking soda • 1/2 tsp salt
• 1/2 cup plus 2 tbsp sugar • 1/4 cup plus 2 tbsp canola oil • 1 tsp vanilla extract • Zest of 1 lemon • 2 cups fresh blueberries
Directions
1. Preheat oven to 375 F. Grease a muffin tin and set aside. 2. In a bowl, combine soy milk and apple cider vinegar. Set aside. 3. In another bowl, combine flour, baking powder, baking soda, and salt. Set aside. 4. In a third bowl, combine sugar, oil, vanilla extract, and lemon zest. Add milk mixture and stir, then add flour mixture. Stir to combine until well-incorporated but not smooth. Fold in the blueberries. 5. Spoon batter into muffin tin, filling each well 3/4 full. Bake 20–25 minutes, cool, and enjoy!
Coco Update
My cat, Coco, is a Ragdoll cat. Ragdolls are like Persians.
They are long-haired. While Coco does an excellent job of keeping her coat nice, she still needs a little help. However, she is a good sport when I bathed her.
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