Answer:
below..
Step-by-step explanation:
In regards to Mrs. Cantwell's question about True-Out-Pocket costs or "TrOOP," I would explain that TrOOP costs are expenses that count towards reaching the catastrophic coverage phase in a prescription drug plan. The catastrophic coverage phase is a stage in the coverage where the plan provides additional benefits for high-cost medications.
To help Mrs. Cantwell understand what expenses count toward TrOOP, I would provide the following information:
1. Deductibles: Any deductible amounts paid by Mrs. Cantwell for covered prescription drugs would count toward TrOOP costs. Deductibles are the initial amounts that individuals need to pay out of pocket before their plan coverage begins.
2. Copayments and Coinsurance: Both copayments (fixed amounts) and coinsurance (percentage-based amounts) paid by Mrs. Cantwell for covered prescription drugs count toward TrOOP costs. These are the amounts she pays at the pharmacy counter when filling her prescriptions.
3. Prescription Drug Discounts: Any discounts Mrs. Cantwell receives for covered prescription drugs count towards TrOOP costs. This includes manufacturer discounts or discounts through a Medicare-approved drug discount card program.
It's important to note that certain expenses do not count towards TrOOP costs. These include premiums (the monthly payment Mrs. Cantwell makes to maintain her drug plan coverage), payments for non-covered drugs, or any expenses paid by others on her behalf.
By understanding what expenses count towards TrOOP costs, Mrs. Cantwell can make informed decisions about her prescription drug plan and better manage her healthcare expenses.