MCA: More Than Just Towing Series (Discounted Prescription Drug Benefit)

I was talking with another MCA associate this evening. It's almost becoming a ritual between him and I and I look forward to our talks. We were talking about the discounted prescription plan MCA offers. He wanted to know if the discounted prescription plan was worth it. He then told me that his local hospital was closing. This county hospital serving the lower income population is closing and many will need to find coverage for their prescriptions. MCA offers a 60% discount on prescriptions.

When on insurance, you actually receive a reduced rate in services. When in chemo one day, I remember the office manager talking with an elderly couple. Their insurance was no longer covering treatment and unless they could pay the bill, that day would be the last treatment. The bill was about $4000. No problem, said the couple, we can pay that. But since they were no longer covered, the actual amount was $16,000. I assume that people who don't have insurance pay more to cover those who do receive insurance benefits.

I went to medicare.gov to see how medicare would work for me versus the MCA plan. My annual prescription costs with no insurance is about $13,000 a year. The cheapest plan I saw was $2529 annually. That's an 80% reduction in costs. MCA only offers a 60% discount so it's not worth it, right? Well, there is a $320 deductible. Now we are up to $2849. Add in the $26.80 monthly premium and it rises to $3170. And there is a $3 to $87 per drug co-pay. We can average that to $45 per drug, per monthly refill. I used my 4 drugs for this test. $45 per drug equals $180. $180 per month for a year is $2160. The annual cost is now $5330. MCA's 60% discount is $5200. You also have to pay a 25% coinsurance fee. For simplicity's sake, we can claim each of my drugs cost $53 per month ($2529/4/12). A 25% charge is $13 for a total of $66. This is an additional $624 per year for a grand total of $5954. With my MCA discount prescription card, I would pay $5200. The cost to maintain the MCA plan is anywhere from $10 to $40 a month. At $20 per month, the total cost is $5440 which is still $514 less than the medicare plan.

Obviously, not everyone's results will work out the same as no two situations are alike. However, I'm very confident that MCA's discounted prescription plan is the best option. It is affordable and simple to understand. Visit me at http://mcaprotect.tk to learn more about covering yourself and your family with a simple discounted prescription plan.