MEDICARE CALCULATOR

Basic Guide to the Medicare Part D Prescription Drug Benefit

What You Need to Know Now About the Medicare Part D Rx Benefit

• The Medicare Rx benefit is a Voluntary Plan; you do not have to sign up!
• Only 10% of beneficiaries spending less than $6500 USD annually will save more with Medicare than by ordering their medications from Canada!
• Not all Rx plans will cover the medications you need!
• Monthly premiums and coverage starting points are expected to increase over time.
• Many complex plans will be available; all will cover different medications & have different costs
• Once you enroll in Medicare Part D, you are locked in for one year; however, your plan provider may change your plan, coverage and your costs at any time.
• When you enroll, you will be asked to disclose personal financial information.
• If you enroll, other Medicare benefits may be reduced like rent subsidy and food stamps.

The Benefits of Ordering from Canada

• Canada offers substantial savings - No Strings Attached.
• Canada offers convenient ordering and customer service.
• Everyone qualifies, regardless of age or income level
• No need to share your personal financial information.
• We can help support your needs for Medicare Part D if it is right for you.

How Do I Find Out What's Right for Me?

• Determine your annual medication costs. (We can help estimate your annual spending).
• Calculate any costs of drugs currently being purchased from a U.S. pharmacy
• Call Nexus Drugs and have us calculate which plan is best for you.

Anna is 67 years old and in good health. She currently spends $730† in yearly drug costs by ordering her drugs from Canada. If she we’re to purchase her medications from within the U.S. the same drugs would cost an estimated $1,258†. By using Medicare Part D, those drugs would cost Anna $886, rather than the $730 she currently spends in Canada. Here’s how it works: Anna’s deductible is $250. Once Anna reaches her $250 deductible, Medicare starts to cover 75% of her costs, which equals 75% of $1,008, or $756. Anna also has to pay for her monthly premium of $32 each month, which comes to about $384 per year.

Option Annual Drug Costs Deductible Annual Premiums Out of Pocket Net Annual Cost Nexus Drugs $ 730.00 0 0 0 $ 730.00 Medicare Part D $ 1,258.00 $ 250.00 $ 384.00 $ 252.00 $ 886.00

Medicare Part D-Anna Pays: Anna's deductible under Medicare Part D = $250 25% of drugs costs from $250-$1,258 = $252 Annual premiums = $384 Total Cost = $886 For Anna, it is best for her to continue ordering her drugs from Canada, rather than enrolling in Medicare Part D.

William is 74 years old and spends $4,118† per year on 12 brand name medications from Canada. If he were to purchase those same drugs from a U.S. pharmacy they would cost him approximately $7,100†. By enrolling in Medicare Part D, William would only save an estimated $34 per year rather than continuing to order from Canada.

Option Annual Drug Costs Deductible Annual Premiums Out of Pocket Net Annual Cost Canadian Pharmacy $ 4,118.00 0 0 0 $ 4,118.00 Medicare Part D $ 7,100.00 $ 250.00 $ 384.00 $ 4,084.00 $ 4,084.00

Using Medicare Part D, William would pay: William's deductible under Medicare Part D = $250 25% of drug costs from $250 and $2,250 = $500 100% of drug costs between $2,250 - $2586 = $2,850 5% of costs from $5,100 - $7,100 = $100 Annual estimated premiums = $384 Total out of pocket costs using Medicare Part D = $4,084 Total cost of drugs if ordered from Canada = $4,118 Estimated savings by enrolling in Medicare Part D = $34.00

Prescription Drug Spending Medicare Plan Pays You Pay $0 - $250 $0 Up to $250 Deductable $250 - $2,250 75% of drug costs to $1,500 25% of drug costs up to $500 $2,250 - $5,100 Donut Hole 0% of drug costs 100% of drug costs up to $2,850 Subtotal: Up to $1,500 Up to $3,600 out of pocket Over &5,100 Catastrophic Benefit 95% 5% or $2 company generic/$5 brand name

Medicare Calculator

† The above calculation is based on a basic Medicare D Rx Plan and is meant to be an approximation. If you feel you may benefit from a plan, please contact us for a customized solution based on your specific needs.

Contact the Nexus Drug representatives for a personal evaluation and how we can help. All Medicare D plans will cover different medications and will have different costs.