PRESCRIPTION DRUG INSURANCE
Prescription drug insurance is essential as many prescription drugs are expensive and can cost thousands of dollars per month.
Steve Turner
Insurance Agent & Broker
Do I Need Prescription Drug Insurance?
Prescription Drug Insurance
Yes, prescription drug insurance can be important because many prescription drugs are expensive and can cost thousands of dollars per month. Prescription drug insurance can help lower pharmacy costs and make it easier to get medications.
It’s important to evaluate your healthcare needs and preferences when considering a Medicare Advantage plan, Medicare Supplement plan or Prescription Drug plan.
Here’s how I can help. Before you enroll in a prescription drug plan, I’ll do a complimentary needs analysis and carefully review the plan’s benefits and costs with you. There’s no obligation to buy anything. After our consultation, if you decide to choose me as your Agent, you won’t have to call an (800) number anymore. If you have questions, concerns, or issues about your Prescription Drug plan throughout the year, you can contact me directly.
How I Can Help You
Prescription Drug Insurance
KEY DETAILS
Enrollment:
To receive coverage for prescription drugs, you must enroll in Medicare Part D. You can do this during your initial enrollment period or during the annual open enrollment period, which typically runs from October 15th to December 7th each year.
Plan Types:
There are two main types of Medicare Part D plans: standalone prescription drug plans (PDPs) and Medicare Advantage Prescription Drug (MA-PD) plans.
PDPs work with Original Medicare, while MA-PD plans to combine prescription drug coverage with other health benefits private insurance companies offer.
Cost:
Medicare Part D plan costs can vary depending on the plan you choose, your income, and the medications you take.
Most plans have a monthly premium, an annual deductible, copayments or coinsurance, and a coverage gap known as the “donut hole.”
Formulary:
Each Part D plan has a formulary and a list of prescription drugs that the plan covers. Formularies can vary between plans, so choosing a plan that covers the medications you need is important.
Coverage Gap:
If your total drug costs reach a certain threshold each year, you may enter the coverage gap (or “donut hole”), where you will be responsible for a larger portion of the cost of your medications.
In 2023, the coverage gap begins after you and your plan have spent $4,660 on covered drugs.
In 2025, the coverage gap goes away.
Catastrophic Coverage:
Once you reach a certain out-of-pocket threshold, you will enter what is known as catastrophic coverage.
At this point, your plan will pay for most of your remaining drug costs for the rest of the year.
Extra Help:
If you have limited income and resources, you may be eligible for extra help to pay for your Medicare Part D premiums, deductibles, and copayments.
ADVANTAGES
DISADVANTAGES
Prescription Drug INSURANCE AGENT AND BROKER NEAR ME
Prescription Drug Insurance
As your Prescription Drug Insurance Agent and Broker, my goal is to “help you” and ensure, without a shadow of a doubt, that you and your family are secure and protected from risk. As a licensed Prescription Drug Insurance agent, I take the burden off your shoulders by custom-tailoring Prescription Drug Insurance packages to fit your needs.
I can help you save on severe medical emergencies and find a Prescription Drug insurance plan that offers low- to no-cost doctor visits and prescription medication. I will show you plans where your doctors are in-network and a side-by-side comparison of your prescription costs with the different plans.
Prescription Drug insurance is constantly changing, and I work tirelessly to stay informed about the latest developments in the market.
I am a long-standing National Association of Benefits and Insurance Professionals® (NABIP.ORG) member and hold the prestigious Registered Employee Benefits Consultant® designation (https://nabip.org/professional-development/rebc-designation). I can provide information on your market’s availability and any expected changes.
After you choose your Prescription Drug Insurance plan, I provide ongoing support all year; you won’t have to call an (800) number any longer.
If you have any questions, issues, or concerns about your plan’s benefits, you can contact me via phone, text, or my simple-to-use email contact form using the buttons below.
Steve Turner, Your Helpful Licensed Agent and Broker
FAQ
Prescription Drug Insurance
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CONTACT STEVE TURNER INSURANCE AGENT & BROKER
I’m here to take your calls and emails and answer your questions 7 Days a week from 7:00 a.m. to 8:00 p.m., excluding posted holidays.
Steve Turner is a licensed agent, broker, and a longstanding member of the National Association of Benefits and Insurance Professionals®. Steve holds the prestigious designation of Registered Employee Benefits Consultant®. NABIP® is the preeminent organization for health insurance and employee benefits professionals and works diligently to ensure all Americans have access to high-quality, affordable Healthcare, and related services.
Steve Turner is a licensed agent appointed by Florida Blue.
EMAIL ME: 24×7
OFFICE LOCATION
STEVE TURNER INSURANCE SPECIALIST
STEVE TURNER REBC®
14502 N DALE MABRY HWY
SUITE 200
TAMPA, FL 33618
Website: steveturnerinsurancespecialist.com
Email: [email protected]
Phone and Text: +1.813.388.8373
Business Hours:
Monday: 7 am to 8 pm
Tuesday: 7 am to 8 pm
Wednesday: 7 am to 8 pm
Thursday: 7 am to 8 pm
Friday: 7 am to 8 pm
Saturday: 7 am to 8 pm
Sunday: 7 am to 8 pm
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SERVICE AREA – USA
The United States: Facts and Top Visitor Sites
The United States of America is a vast and diverse country encompassing a wide array of cultures, landscapes, and iconic landmarks. Here are some key facts and top attractions:
Facts about the USA
The United States is a vast and diverse country, offering a rich tapestry of culture, history, and natural beauty. Here is a comprehensive overview of key statistics and top visitor attractions across the nation.
Key U.S. Statistics and Economic Overview
The United States is a global leader in population, economy, and innovation, attracting people from all over the world.
- Population and Demographics: As of 2025, the U.S. population is projected to be over 343 million people, making it the third most populous country in the world. The population is diverse, with a significant Hispanic and Latino population that accounts for a large portion of the recent growth. The median age is around 39 years, and a growing segment of the population is over 65, reflecting an aging nation.
- Geography: Third largest country by land area, behind Russia and Canada. It stretches across 3.8 million square miles and boasts 4 million miles of roads.
- National Parks: 63 national parks across the nation.
- Government-owned Land: 37% of the land is owned by the government (federal, state, and local).
- Diversity: The US is a diverse country, with a growing non-white population. Non-Hispanic white people currently make up the largest ethnic group, but their share of the population has decreased over time. The Hispanic population has seen the most significant growth, increasing by 23% between 2010 and 2020.
- Languages: While English is the primary language, Spanish is the most common non-English language spoken at home, followed by Chinese and Tagalog.
- Aging Population: Americans are living longer, with the 65 and older population increasing significantly.
- Economy & Key Industries: The U.S. economy is the largest in the world by nominal GDP. Its economic strength is built on several key industries:
- Financial Services: This sector is a global powerhouse, centered in cities like New York, with major hubs for banking, insurance, and investment.
- Technology and Information Technology (IT): The U.S. is a world leader in technology, with major tech hubs in Silicon Valley, Austin, and Seattle, driving innovation in software, hardware, and digital services.
- Healthcare and Social Assistance: As the largest private employment sector in the country, healthcare is a massive industry with a high demand for skilled workers and ongoing innovation.
- Manufacturing: The U.S. manufacturing sector is a backbone of the economy, producing everything from automobiles and aerospace components to medical equipment and consumer goods.
- Work from Home Trends: More Americans are working remotely compared to pre-pandemic times. In 2022, 15% of Americans worked from home, up from 6% in 2019.
Top Places for Visitors to Explore in the USA
The United States offers an incredible variety of destinations, from iconic cities to breathtaking national parks.
- New York City, New York: A global icon, New York City is famous for its vibrant culture, world-class museums, and iconic landmarks. Visitors can explore Times Square, see a Broadway show, visit the Statue of Liberty, and walk through Central Park. The city offers an endless array of dining and shopping experiences.
- The Grand Canyon, Arizona: A breathtaking natural wonder carved by the Colorado River, the Grand Canyon National Park is a must-see. Visitors can take in panoramic views from the South Rim, hike into the canyon, or take a helicopter tour for a unique perspective.
- Las Vegas, Nevada: Known as “The Entertainment Capital of the World,” Las Vegas is famous for its casinos, luxury hotels, and spectacular live shows. The Las Vegas Strip is a bustling boulevard with unique attractions and a vibrant nightlife.
- Orlando, Florida: The “Theme Park Capital of the World,” Orlando is home to some of the world’s most famous attractions, including Walt Disney World Resort and Universal Orlando Resort. It is a top destination for families and anyone seeking a thrilling, magical vacation.
- Washington, D.C.: The nation’s capital is a city of history and monuments. Visitors can explore the National Mall, which connects the Lincoln Memorial, Washington Monument, and the U.S. Capitol. It’s also home to the Smithsonian Institution’s world-class museums.
- Yellowstone National Park, Wyoming: As the first national park in the U.S., Yellowstone National Park is a marvel of geothermal activity and wildlife. It is home to the famous Old Faithful geyser, the Grand Prismatic Spring, and a wide variety of animals, including bison, bears, and wolves.
- San Francisco, California: This iconic city on the West Coast is famous for the Golden Gate Bridge, its historic cable cars, and diverse neighborhoods. Visitors can explore Fisherman’s Wharf, Alcatraz Island, and the beautiful Golden Gate Park.
- Hawaii: The state of Hawaii is an archipelago in the Pacific Ocean known for its stunning natural beauty, volcanic landscapes, and rich Polynesian culture. Visitors can relax on beautiful beaches, hike through lush rainforests, and explore the Hawaii Volcanoes National Park on the Big Island.
- Great Smoky Mountains National Park, North Carolina/Tennessee: The Great Smoky Mountains National Park is the most visited national park in the U.S. and is known for its beautiful mountains, diverse plant and animal life, and rich Appalachian culture.
- New Orleans, Louisiana: This historic city on the Mississippi River is famous for its unique blend of cultures, live music, and vibrant festivals. The French Quarter is a lively neighborhood with historic architecture, delicious Creole cuisine, and jazz clubs.
