Where to find Mom secondary insurance?

Check with the AL to see what pharmacy they use if they will be managing her meds. Then go to that pharmacy and ask them to review her meds and suggest a Part D plan that will be best for her. Not all pharmacies participate with all plans, so be sure to get one that works with the pharmacy you will be using.

The time to change is during open enrollment in November, and changes do not take effect until January 1.

You can apply for Medicaid. If accepted, they could pay for her part b premium Also, go to the SSA website and apply for an Low income subsidy 'LIS', which would help pay her part D premium and some of her meds.
In the meanwhile, if your mom has expensive drugs, go to each manufacturer's website and see if they have a patient assistance program, to offer low cost or free medications.
Also, you can check needymeds They can sometimes help.

Good luck!

Your mom will need a supplement to pick up where medicare leaves off, it will pay the balance of what medicare doesnt pay. Then you will need the part d plan, thats important for meds.
Have your pharmacist run her neds and tell you which woukd work best.
I have been taking care of my mom for 10 years so all this medical has a learning curve. Premiums will be according to age, plus if she didnt sign up for part d when she turned 65 there will be a penalty.
I switched my mom(91) to atena insurance for part d cause it was cheaper and no detuctable.
Good luck, like someone said, every state is different so check with your area aging association!

Also, I believe that if your mother moves into ALF, she may be able to change her part d as often as needed, I know you can in the NH and on Medicaid, but you may want to confirm that.

Try the pharmaceutical assistance programs or manufacturing assistance. Look at needymeds.org. The best resource is your State Health Insurance Assistance program. When she enrolls in a Prescription Drug Plan, she is not changing her Medicare... she is only changing the drug plan. Open enrollment for next year's drug plans is 10/15 - 12/7, and your SHIP can assist you in that regard.

Varuna I believe it is illegal these days to drop a patient because of the cost of treatment.
Be careful with United healthcare too because they won't treat a pre existing condition for the first six months. I know it is illegal for them to refuse to cover someone but don't know the legality of making you wait 6 months for treatment. The main benefit of United healthcare is that you can consult any provider anywhere in the country without incurring extra expenses. BCBS has a preferred network and if you go outside that you pay an extra co-pay. In the main I believe all plans allow you to consult any Dr who accepts Medicare but you may have to pay bigger co-pays out of network

Open enrollment starts in October. She should start receiving advertising in the mail. I might suggest going to AARP website or ask around your area to find a specialist in Medicare insurance. I know a few people in my area but the operate in a state specific areas. I would call your local area on aging the will most likely be able to direct you.

You need to contact your local "Hiicap" or "Ship" office. Call your local Social Security office and they can give you the number. These offices help people deal with Medicare and find insurance that best suits their needs based on the medications they take. They are not biased by any specific insurance company. They also can check to see if your Mother is eligible for EXTRA HELP or Low Income subsidy. These are programs that pay for Part D insurance and depending on income the Medicare premium and also lower the cost of the copay for the medications. She also may be eligible for the Elderly State medication program which will help pay for medications and limit out of pocket expense. This is all very complicated and these programs are funded by Medicare just to help folks with these issues. I volunteer at our local Office for the Aging doing this exact program. She should get in touch with them as soon as possible and may not have to wait for Open Enrollment to get help. Generally Open Enrollment is Oct. 15th to Dec. 7th each year and allows you to change insurance or enroll if you don't have coverage for the beginning of the next year. If she is eligible for one of the other programs I mentioned she won't need to wait and can get coverage that will start the 1st of the month after enrolling. Good luck with this. I know it is confusing and frustrating, so I urge you to avail yourself of one of these programs.

Call AARP THEY HAVE A COUPLE. ASK. IF EITHER OF THEM KICK IN IMMEDIATELY. OR A WAITING PERIOD.