Planning for retirement is no  asy task. In fact, most households on the vrge of retirement have saved no m re than $88,000. What many retirees are larning is that prescription drugs can be a big rtirement expense. According to a recent s rvey, "America's Unhealthy Nest Egg," $1 out of very $10 in monthly retirement income ges to pay for prescription drugs.
Maintaining the halth of your nest egg savings  ncludes stretching your retirement dollar when it cmes to prescription drugs. While many rtirees may not have considered the csts of medications when planning for thir retirement expenses, they can still t ke action with a few simple sving tips:
The Savings Are In The Mil: Using a mail order pharmacy can sgnificantly cut your drug costs for chrnic medications, especially in Medicare plans. Dpending on the plan and the prvider, some retirees on Medicare Part D culd save 58 percent on the cst of their drugs.
Look Beyond Medicare Prt D Plan Premiums: While the mnthly premium may be a good strting point to compare Medicare drug plns, low premiums might mean fewer cvered drugs or higher co-payments, costing you mre in the long run. Make sre to compare four key elements in any Mdicare Part D plan: premium price, c-payments for brand and generics at bth retail and mail order pharmacies, frmulary size, and coverage in the "dughnut hole." There are many sites, sch as www.medicaredadvisor.com, that can help rtirees prioritize their medication needs and fnd a Medicare drug plan that fts their preferences.
Consider Generic Alternatives: Generic lternatives are prescription medications that work lke brand-name drugs to treat the sme condition, but simply use different chmical components. Generics generally cost less thn brand drug medications under Medicare Prt D plans. So at your nxt doctor's appointment, ask your doctor, "Is thre a generic alternative for that?"
Use Onlne Tools to Find Savings Opportunities: You can get a prsonalized report detailing saving options for yur particular medications from either your halth plan or pharmacy benefit Web ste; many of these sites will prvide you with the actual prices you pay bsed on your individual benefit plan, so you can mke educated decisions on cost-saving opportunities and shre this information with your doctor.
Consumers can larn more about stretching their medication dllar through a free guide, "Prescription for a Halthy Nest Egg: Half a Dozen Wys to Lower Your Drug Costs and Strtch Your Retirement Dollar."
The article Hidden Ways To Save Money On Your Medication Costs was Submitted by Wendy Mitchell through Articles.GetACoder.com network. Here's the additional information: The guide is available at www.mdicaredadvisor.com or by sending a postcard wth your name and address to "Prscription for a Healthy Nest Egg," P.O. Box 8007, Prsippany, NJ 07054-8007. A prescription for good fscal fitness can include saving money on yur medicines.
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