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Every state is different which Medicare suppliments are allowed to write policies in that state , I suggest u contact your Office of Aging and ask if there is someone who can help you explore your options, Depending on Moms income, she may qualify for a State plan. In NJ its called PADD. Maybe even Medicaid. It may be for a little extra money a month her meds maybe cheaper.
Also, in the long term, our prescription drug situation in the U.S. is completely untenable and the result of politicians being bought by pharmaceutical companies. We should all be voting for candidates who unequivocally support single-payer Medicare for All with coverage for prescription drugs and long term care (and that would be Bernie Sanders).
https://www.medicareinteractive.org/get-answers/cost-saving-programs-for-people-with-medicare/the-extra-helplow-income-subsidy-lis-program/extra-help-basics
Also look up her prescription on GoodRX.
Consider less expensive alternatives.
My aunt started off with Aricept and then she was also prescribed Namenda. The Namenda was so expensive on her drug plan. So after searching on line I discovered there was an alternative.
I contacted her doctor and asked for Namzeric which is a combo of aricept and Namenda and that year was less expensive on her drug plan than the two separate pills.
Now it’s the opposite. The two separate pills are less expensive than the one combo. I was able to get 90 days supply of the two pills for less than only 30 days of the Namzeric.
Hope this helps.
bottom line: call the pharmaceutical company and ask for hardship program.
The Dr. explains on the form why the medication is an absolute must for the patient, and asks the insurance co. to move that particular med. from "Tier 4" to "Tier 3," or from "Tier 3 to Tier 2."
Alzheimer's, cancer, diabetes, kidney and heart medications are among the most expensive prescriptions, and they are often classified as "Tier 4" in the formulary by the Part D insurer.
My mom's neurologist was able to get her Tier Exception Request Form approved fairly quickly, so now, I pay a $12.95 co-pay for a one-month's supply of Mom's Rivastigmine transdermal patches at Tier 3, instead of a $134.50 Tier 4 co-pay.
co-pay.