Did your doctor prescribe Cozaar for you (or the Cozaar generic, losartan)? Let’s talk about Medicare coverage of this prescription.
What is Cozaar?
Cozaar (generic name losartan) is a high blood pressure medication available by prescription. According to the National Institutes of Health, Cozaar is part of a class of drugs known as angiotensin II receptor antagonists, which can help your blood flow more easily.
What is Cozaar used for?
The National Institutes of Health reports that besides high blood pressure, Cozaar or the Cozaar generic, losartan, might be prescribed for kidney disease if you have type 2 diabetes, or for stroke prevention in certain cases.
Cozaar and Original Medicare
If you’re an Original Medicare (Part A and Part B) beneficiary with no other Medicare coverage, you might have coverage for Cozaar, depending on the situation. Medicare Part A generally covers prescription medications you get during a covered, inpatient hospital stay. Medicare Part B may cover certain medications that you get in an outpatient setting, such as a visit with a specialist. So if your doctor prescribes Cozaar or the generic losartan for you to take at home, it’s probably not covered under Part A or Part B.
Cozaar and Medicare Part D
You can generally get Medicare prescription drug benefits through Medicare Part D. Cozaar and losartan may be covered under a Medicare Prescription Drug Plan, such as a stand-alone Medicare Part D Prescription Drug Plan or a Medicare Advantage Prescription Drug plan.
Because drug coverage varies by plan, you’ll need to check the drug formulary for any plan you’re considering to find out if it covers Cozaar. A drug formulary is a complete list of all prescription medications that are covered by the plan. The formulary may change at any time. You will receive notice from your plan when necessary. Medicare Prescription Drug Plans may make formulary changes every year, so it’s important to verify annually whether the prescription drugs you take are still covered by the plan. Otherwise, you could pay more out-of-pocket for your medications such as Cozaar.
Just as specific covered drugs vary by plan, so do Medicare Prescription Drug Plan costs. Each plan puts covered drugs into cost tiers with different copayment or coinsurance requirements for the drugs on each tier. Medications on a higher tier are more expensive than those on a lower tier, and brand-name drugs like Cozaar are usually on higher tiers than generics like losartan. So you may want to consider shopping around for a Medicare Prescription Drug Plan that covers your prescription medication at a cost more affordable to you.
As you can see, there’s a lot to consider when looking for a Medicare Prescription Drug Plan. Because there can be cost differences between plans, finding a lower-cost plan might help you save money. I’m here to answer any questions you have if you need help exploring other options. If you’d like help by phone or email, click on the Get Quotes button to get started.