Which Medicare Part D Plans Cover Shingrix

Shingles Vaccinations Not Covered For Some Medicare Beneficiaries

Many readers have contacted me about health insurance and the Affordable Care Act. Here are answers to some of their questions.

Q. I have Medicare and a Plan F Medigap plan, so I should be covered for all medical needs. But in order to get the shingles vaccination, it will cost me $185. I cant pay this without using my grocery or prescription money. Its totally unfair. What can I do?

A. Shingles is a painful rash caused by a virus that can lead to long-term nerve damage called postherpetic neuralgia. All Medicare Part D prescription drug plans cover the shingles vaccine, which is recommended by the Centers for Disease Control and Prevention for people age 60 and older. But Medigap plans, which may cover the deductible and coinsurance amounts for services provided under Medicare Parts A and B , dont offer any financial help on the co-payments for vaccines and other drugs covered under Part D.

A Government Accountability Office report published in December found that seniors faced many obstacles to getting needed vaccines, including the shingles vaccine. Many physicians dont recommend or even stock the shingles vaccine, the report found. The amount that the patient pays out of pocket for that vaccine could also be a barrier, according to the report.

First, if you have Part D coverage, contact your plan to make sure the co-payment youre being quoted is accurate.

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Where To Get Vaccinated

You have a choice on where to get vaccinated.

In your doctors office: You can get vaccinated in your doctors office. If the office is set up to bill Part D directly for your vaccination, you may only have to pay a copay at the time of your shingles shot. If not, you may have to pay all costs upfront and submit a claim to your Part D plan for reimbursement.

At your local pharmacy: You can go to your local pharmacy to get your shingles shot as long as they offer the vaccine and appropriately trained staff members administer it. The rules for pharmacy vaccination vary by state. You will likely need to pay for the vaccination upfront. Pharmacies are not legally required to dispense medications without payment.

Traditional Medicare Part B Does Not Cover Some Recommended Vaccines Including Shingles Shots Prescription Drug Plans Include Commercially Available Vaccinations But Are Likely To Require Some Payments From Beneficiaries

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If youre about to make a move to Medicare from your private insurance, you might want to make sure youve had all your shots – especially your vaccination for shingles. Thats because coverage of recommended vaccines under Medicare is more complex than under private health insurance.

Under the Affordable Care Act, private insurers are required to cover all recommended vaccines as preventive care with no out-of-pocket costs to beneficiaries. But under Medicare, different vaccines are covered under different parts of Medicare with inconsistent out-of-pocket costs for beneficiaries.

In short, the shingles vaccine is not covered by Medicare unless you have a Part D prescription drug plan or an Advantage plan with prescription drug coverage even then, youre likely to have out-of-pocket costs.

Medicare Part B covers certain vaccines, including flu and pneumonia, but not others, including shingles. Vaccines covered under Part B are provided to beneficiaries at no cost to them.

If you have a prescription drug plan, Medicare Part D, it will cover other commonly available vaccines, including those for shingles. But even then, Part D is not required to provide cost-free coverage of preventive treatments. What this means is medications and vaccines covered by Part D plans will likely be subject to deductibles and copays, resulting in out-of-pocket costs.

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Do A Thorough Pharmacy Search

Determining which pharmacies in your area are preferred vs. in-network might be the most confusing part of signing up for a Part D plan, says Stephen Schondelmeyer, PharmD, a professor of pharmacoeconomics at the University of Minnesota in Minneapolis.

When we sorted by lowest drug + premium cost using the Medicare plan finder tool, which is the default setting, our spot check found that preferred pharmacies might offer some of the lowest prices on generic meds in particular.

Take, for example, two plans in Denver. For our list of medications, with the Humana Walmart Value Rx plan you would spend $463.56 on premiums plus annual drug costs if you filled your prescriptions at Walmart, a preferred pharmacy. But those same drugs at that same pharmacy would cost $1,182 if you signed up for the Wellcare Value Script plan, which doesnt include Walmart as a preferred pharmacy.

On the other hand, if you did go to one of Wellcare Value Scripts preferred pharmacies, in this case a Safeway, youd pay $670.80. Thats still more expensive than the Humana Walmart plan using a Walmart pharmacy but a lot less than using a nonpreferred pharmacy.

Then look for the pharmacy and Part D plan that have the lowest total amount for both drug and premium costs.

Do Medicare Advantage Plans Cover Shingles Vaccines

Medicare Advantage plans are Medicare plans offered by private insurance companies that are Medicare-approved. A Medicare Advantage plan, also known as Medicare Part C or an MA plan, will provide, at minimum, standard Medicare coverage. Many Medicare Advantage plans also offer additional health benefits, including vision, dental, hearing, and more.

Medicare beneficiaries interested in a Medicare Advantage plan should always confirm extra perks with their insurance company. That said, most Medicare Advantage plans include Part D coverage within their health plans. Therefore, it is likely the shingles vaccine will be covered.

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About The Shingles Vaccine

The Centers for Disease Control and Prevention recommends that healthy adults over the age of 50 get the shingles vaccine because it’s the only way to protect against the disease and its associated side effects. The risk of getting shingles increases as you age or if you have a weakened immune system. Always consult your doctor to find out if the shingles vaccine is right for you.

The CDC-recommended vaccine, Shingrix, is a recombinant zoster vaccine that has two doses administered within six months of each other. It’s classified as a Tier 3 drug by most insurance companies, which means it’s a brand-name pharmaceutical with a higher copayment than a Tier 1 or 2 drug.

Use the Shingrix vaccine locator to find where the shingles vaccine is being offered, and check with your Medicare Part D or Medicare Advantage provider to see which locations give you the lowest price.

What Are The Side Effects Of Shingrix

The most common side effects include pain and inflammation at the injection site, headache, muscle pain, fatigue, stomach discomfort, fever, and shivering, according to GSK.

Allergic reactions are less common but still possible. Watch for signs of an allergic reaction, such as hives, swelling of the face or throat, trouble breathing, rapid heartbeat, dizziness, and weakness. This is considered an emergency, so call 911.

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Where To Get The Shingles Vaccine

You have a few different options on where to get the shingles vaccine. You usually can receive it directly from your doctor at a doctors office or at a pharmacy.

The major pharmacy chains typically offer shingles shots so you should be able to get it at a location near you. You will still need a prescription from your doctor in order to get it at a pharmacy.

Who Can Administer Your Shingles Shot?

The vaccine is administered as a shot to your upper arm. While the Shingrix vaccine is safe and effective at preventing shingles, there are some possible side effects. According to the CDC, you may experience some common mild symptoms associated with vaccines, such as arm soreness, muscle pain or a headache.

Remember that the vaccine comes in two doses, so you will have to return to wherever you got the shot two to six months later to receive the second dose. The immune reaction may come with the first or second dose, or with both doses of Shingrix.

Fixing Medicare Vaccine Coverage Once And For All

Nonetheless, barriers to vaccine access remain for seniors due to the separate benefit part placement of vaccines in Part B and D. In seeming acknowledgment of the above problem, Congress acted rapidly to provide for coverage of COVID-19 vaccines without cost sharing under Part B when it passed the Coronavirus Aid, Relief, and Economic Security Act in March 2020, a full eight months before the first vaccine was authorized for emergency use.

As early as 2007 and as recent as 2021, the Medicare Payment and Access Commission recommended moving the coverage of vaccines from Part D to Part B. In the 2007 report, MedPAC foresaw the challenges stemming not only from beneficiary OOP costs under Part D, but also the challenges of physician out-of-network status under Part D. While pharmacists have long been permitted to roster bill vaccinations under Part B, easing the hurdle of split benefit part placement, physicians continue to face difficulty in offering Part D vaccines. Because they are out of network, this makes it difficult to ascertain coverage and cost sharing information. This may lead to patients paying the full cost of vaccines up front and seeking reimbursement under Part D later. This exacerbates the already burdensome financial requirements that result in lagging adult vaccine offerings in physician offices.

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What Everyone Should Know About The Shingles Vaccine

Shingles vaccination is the only way to protect against shingles and postherpetic neuralgia , the most common complication from shingles.

CDC recommends that adults 50 years and older get two doses of the shingles vaccine called Shingrix to prevent shingles and the complications from the disease. Adults 19 years and older who have weakened immune systems because of disease or therapy should also get two doses of Shingrix, as they have a higher risk of getting shingles and related complications.

Your doctor or pharmacist can give you Shingrix as a shot in your upper arm.

Shingrix provides strong protection against shingles and PHN. In adults 50 years and older who have healthy immune systems, Shingrix is more than 90% effective at preventing shingles and PHN. Immunity stays strong for at least the first 7 years after vaccination. In adults with weakened immune systems, studies show that Shingrix is 68%-91% effective in preventing shingles, depending on the condition that affects the immune system.

How Long Does Shingrix Last

The Shingrix vaccine can remain effective for at least four years in most people and even longer in others. You must get the entire series to be protected against shingles, which includes two separate shots. Even if you have had the infection, getting vaccinated can still offer benefits because it may help reduce the risk of developing PHN.

Shingrix may not protect everyone, but it provides broader protection for older adults whose immune systems are declining with age or disease.

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Who Should Not Get The Shingles Vaccine

The vaccine may not be appropriate for people who have a weakened immune system due to certain conditions. These people include those with an organ transplant and those who are undergoing chemotherapy to treat cancer.

Doctors also recommend that people with an allergy to any component of the vaccine do not have the shingles vaccination.

Anyone with severe allergies must tell a doctor about them when discussing their shingles risk. People who are pregnant or breastfeeding or currently have shingles symptoms should not get the shot.

Vaccines Covered By Medicare Part D

Medicare Part D covers all commercially available vaccines needed to prevent illness. You can get Part D coverage through a stand-alone Medicare prescription drug plan or a Medicare Advantage plan that includes drug coverage.

Vaccines covered by Part D include the following:

• Shingles vaccine: One-time vaccine given in two shots over two to six months
• Tdap vaccine : One shot if youve never been vaccinated, and a booster every ten years
• Other vaccines covered: Vaccines that are “reasonable and necessary” to prevent illness and are not covered by Part B

Part D may also cover vaccines you may need if you are traveling internationally. Talk with your doctor about your travel plans and ask what vaccines are recommended.

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Who Needs The Shingles Vaccine

According to the Centers for Disease Control and Prevention , the Advisory Committee on Immunization Practices recommends the shingles vaccine for people aged 50 and older. It is a manufactured inactivated vaccine intended to prevent shingles. The vaccine is administered in two separate doses given by intramuscular injection, separated by two to six months.

The shingles vaccine is considered an important vaccine for seniors because our immune system weakens as we age. The recommendation for vaccination is based on the potential severity of symptoms and long-term complications.

A shingles vaccine called Zostavax is no longer used in the U.S. as of November 2020. If you received that vaccine, the CDC recommends talking with your doctor about getting the Shingrix vaccine.

Shingrix is more than 90% effective at preventing shingles, but it does not prevent chickenpox.

What Are The Costs For Medicare Part D Vaccines

The fact that a vaccine is covered by Medicare Part D does not necessarily mean you pay nothing for this vaccine. What you pay for a Medicare Part D vaccine depends on:

• The type of vaccine
• Where you get the vaccine
• Who gives you the vaccine

In some cases, you may have to pay the entire cost for the vaccine medication and the administration of the vaccine and ask your Medicare Part D plan to pay you back for a share of the cost.

Medicare information is everywhere. What is hard is knowing which information to trust. Because eHealthâs Medicare related content is compliant with CMS regulations, you can rest assured youâre getting accurate information so you can make the right decisions for your coverage.Read more to learn about our Compliance Program.

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Is Shingrix Covered By Medicaid

Shingrix is a shingles vaccine often given to adults over 50 and younger adults with compromised immune systems. Medicaid likely covers Shingrix in the 38 states with expanded Medicaid coverage and the District of Columbia. You can find out if your state has expanded Medicaid on the Medicaid website. Medicaid is less likely to cover Shingrix in states without expanded coverage.

If Medicaid covers the Shingrix vaccine in your state, youâll most likely need to have it at an in-network facility. The average copayment for covered beneficiaries is less than $5 per shot.

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Medicare Part D Plans

While Medicare Part D provides coverage for the Shingrix vaccination, there may be an out-of-pocket cost. This will vary based on the specific Medicare plan, however. This may include a copay for the shingles vaccine or the beneficiary paying the full cost and getting reimbursed for a certain amount. Eligible individuals should receive Shingrix at a doctors office within the drug plans network or at an in-network pharmacy.

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Shingles Medicare Billing Problems

Heres a quick reminder about a billing issue that we commonly resolve for our clients. Many doctors continue to bill this to Medicare Part B, and then the bill gets rejected. Once the rejection happens, far too many Medicare beneficiaries just pay these bills without questioning them. One client remembered that our Client Service Team provides FREE help resolving bills like these and called us for support.

Her doctors office had tried to bill her $710 for this medication which is ridiculous! The shingles vaccine costs between $150 $300, and if your Part D plan is covering part of the cost, even less. So, please dont pay any medical bills that you receive without checking with us first.

Do you have questions about which Medicare plans will cover the shingles vaccine? Or perhaps you need help finding a drug plan that includes other vaccines covered by Medicare Part D? Give us a call.

How Do I Get Coverage For The Shingles Vaccine

Medicare prescription drug plans and Medicare Advantage plans that provide prescription drug coverage generally cover all commercially-available vaccinations. These plans will cover the vaccination medication and the administration of the shot by your doctor or physician. Depending on your plan benefits, you may have to pay a copayment or coinsurance amount. Make sure to follow your planâs guidelines for this vaccination to be covered.

You will pay the least amount of money out of pocket if you are vaccinated at a pharmacy in your drug planâs network. If you have questions about which pharmacies are included in your planâs network, contact your Medicare prescription drug plan or Medicare Advantage prescription drug plan for more information. To find a Medicare Part D plan in your area, enter your zip code on this page.

Medicare information is everywhere. What is hard is knowing which information to trust. Because eHealthâs Medicare related content is compliant with CMS regulations, you can rest assured youâre getting accurate information so you can make the right decisions for your coverage.Read more to learn about our Compliance Program.

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