Are There Easier Ways to Get My Medications?

Many Colorado Seniors and Disabled Adults are concerned about the recent funding discussions about Federal, not State, Medicaid changes, and how they might impact Long-term Care Medicaid benefits here in Colorado. There are 40+ different Medicaid programs in the State of Colorado alone, which are funded differently. Some of these Medicaid programs will be impacted by Trumps changes.At this time, it is important to know that the Medicaid changes imposed do not affect Long-term Care Medicaid in Colorado. If you are currently receiving Long-term Care Medicaid benefits or considering applying, you can rest assured that your eligibility, services, and coverage remain intact. Long-term Care Medicaid has already been funded for 2025, therefore nothing will change this year. In addition, there have not been any major changes to Colorado Long-term Care Medicaid in 20 years, and we dont foresee any changes now. In the meantime, if you have any questions about your coverage or need assistance navigating the Long-term Care Medicaid process, please dont hesitate to reach out to Beneficent. www.DoingGoodForOthers.com/contactus

As we age, taking medications often becomes a part of everyday life. Whether it's for managing chronic conditions like high blood pressure, diabetes, or arthritis, these medications are necessary to keep us healthy. But for many seniors, the cost of prescriptions can be a major concern. With a fixed income, paying for medications can sometimes feel like a financial burden.One solution that has been helping seniors save money is something called Cost-Plus Pharmacy.  Let us explain what Cost-Plus Pharmacies are, how they work, and how they can make a big difference in lowering medication costs for seniors.What is a Cost-Plus Pharmacy?A Cost-Plus Pharmacy is a type of pharmacy that operates a little differently from the typical drugstore you might be familiar with. In most pharmacies, the cost of medications is marked upsometimes by a lot. This markup helps the pharmacy make a profit, but it also means youre paying more for your prescriptions than the pharmacy actually paid for the drugs.On the other hand, a Cost-Plus Pharmacy sells medications at a price thats closer to what they paid for them, plus a small, reasonable markup. The idea is to be more transparent and fair about pricing. This can help lower the price you pay for your medications, which is great news for seniors, especially those who take multiple medications.How Does a Cost-Plus Pharmacy Work?To keep things simple, think of it this way: lets say a pharmacy buys a medication for $10. A traditional pharmacy might sell that same medication to you for $20, marking it up by $10 in order to make a profit. But in a Cost-Plus Pharmacy, instead of doubling the price, the pharmacy may only add a small amountmaybe $2 or $3.So, instead of paying $20 for that medication, youd only pay $12 or $13. That small difference can make a big impact when youre taking multiple medications each month.One of the best things about Cost-Plus Pharmacies is that theyre open about their pricing. They usually show customers exactly how much they paid for each medication and how much they are adding as a markup. This transparency helps you understand exactly what youre paying for, making it easier to see that you're getting a fair deal.Why Is This Important for Seniors?Many seniors take several medications to manage chronic health conditions. The cost of these medications can quickly add up, and its not always easy to find affordable options. For those on a fixed income, like many seniors, paying for medications can become a financial struggle.For example, according to the Centers for Medicare & Medicaid Services (CMS), the average senior spends about $1,200 per year on prescription drugs. That number can be even higher for those who take multiple medications regularly.Medicare Part D can help with some of these costs, but it doesnt cover everything. Plus, there are gaps in coverage, like the "donut hole," where seniors must pay full price for their medications after reaching a certain spending limit. This leaves many seniors paying high out-of-pocket costs for their prescriptions.Cost-Plus Pharmacies, such as Blueberry Pharmacy, aims to fix this problem. By offering lower prices on medications, these pharmacies can help seniors save money, making it easier to afford the medications they need without breaking the bank.How Can Cost-Plus Pharmacies Save Seniors Money?There are several ways that Cost-Plus Pharmacies help seniors save on their medications.1. Lower Prescription PricesThe biggest advantage of a Cost-Plus Pharmacy is that medications are sold at a lower price than what youd find at a traditional pharmacy. Rather than charging extra fees or high markups, these pharmacies focus on offering a fair price. For example, a medication that may cost $50 at a typical pharmacy could be priced at $35 or less at a Cost-Plus Pharmacy. Thats a savings of $15 on just one medication! If you need several medications, these savings can really add up over time.2. No Hidden FeesAt many regular pharmacies, you might find that your prescription comes with extra chargesdelivery fees, processing fees, or other hidden costs. These fees can make your final bill higher than you expected. Cost-Plus Pharmacies are often more transparent about their pricing. Theyll give you an exact breakdown of the cost, so you know what you're paying for. This way, you avoid any unpleasant surprises when its time to check out.3. Affordable Generic MedicationsGeneric medications are often much cheaper than brand-name drugs, but not all pharmacies carry affordable generics. Many Cost-Plus Pharmacies focus on offering a wide range of generic medications at lower prices. For seniors, choosing generic drugs is one of the easiest ways to save money without sacrificing quality. Cost-Plus Pharmacies make it easier to access these more affordable options.4. Special Programs for SeniorsSome Cost-Plus Pharmacies offer special programs to help seniors save even more money. For example, they may have senior discount programs or loyalty cards that give you even deeper discounts. Some pharmacies also offer free home delivery, which can be a huge help for seniors who may have trouble going to the pharmacy in person.5. Fewer Prescription ErrorsPrescription mistakes can be costlynot just in terms of money, but also in terms of health. If a pharmacy gives you the wrong medication or makes an error on your prescription, you may need to go back to correct it, which can add more time and money to the process. Because Cost-Plus Pharmacies tend to offer more personalized service and fewer customers, they often have fewer mistakes and are able to fill prescriptions more accurately. This can save you both time and money in the long run.As the cost of prescription medications continues to rise, finding ways to save money on those medications is more important than ever. For seniors, a Cost-Plus Pharmacy such as Blueberry Pharmacy can be a great option to lower prescription costs without sacrificing quality or service.By offering lower, more transparent pricing, Cost-Plus Pharmacies are helping seniors save money on the medications they need. Whether youre looking for a more affordable pharmacy in your area or you want to try an online option, these pharmacies can make a real difference in your healthcare expenses.If youre a senior or care for one, its worth looking into a Cost-Plus Pharmacy such as Blueberry Pharmacy. With a little research or by contacting us directly, you could be saving money on your prescriptions every month, making it easier to stay healthy without stressing about the cost. Reach out to us today!

This chilling scene from The Beekeeper is a dramatic yet realistic example of a type of phishing scam directed at seniors: Eloise, a retired schoolteacher, is on her computer looking over charity accounts that she manages when a virus warning pops up. She calls the provided number, which unknowingly to her connects to a call center operated by a phishing scam operation.The call center rep portrays a support desk tech and during his conversation with Eloise, he lies about the source of the virus warning. She falls into his trap by installing fake antivirus software, which links to all the charity accounts. The connected malware drains over $2 million from the charities Eloise runs. She realizes too late what has happened and is left in despair.Among the fastest-growing cybercrimes targeting seniors today are phishing or smishing scams. In phishing/smishing scams, criminals send fake messages to trick seniors into giving away personal information, such as passwords, credit card numbers, or even one-time passwords (OTP) for account verification.Why are seniors often preferred targets for these scams, and how can they stay protected? Heres a comprehensive guide to help you and your loved ones stay safe from smishing.Why Are Seniors a Preferred Target for Phishing/Smishing Scams?Seniors are often targeted by scammers for several reasons:Less Familiarity with Technology: Many seniors arent as familiar with new digital threats, making them more vulnerable to smishing and phishing techniques.Trusting Nature: Scammers exploit the trusting nature of seniors, knowing that they may be more likely to believe the legitimacy of a message.Isolation: Scammers often prey on seniors who may be isolated or lonely, making them more willing to respond to messages, even from unknown numbers.Financial Independence: Many seniors control their own finances or have access to retirement funds, which makes them valuable targets.Keep reading for more about the different types of phishing and smishing scams and how to recognize and avoid them.Common Types of Phishing and Smishing ScamsOne-Time Password (OTP) ScamOne-time passwords (OTPs) are security codes sent to your phone to verify your identity when logging into accounts or making transactions. Scammers try to trick seniors into giving up these codes, allowing them to take control of their accounts.Example  Your Venmo account login is suspicious. Please verify your identity by providing the OTP sent to your phone.In this case, the scammer is pretending to be a trusted company and trying to get the OTP that was sent to you for your own security. Never share your OTP with anyone, especially through text messages or phone calls. If you receive an unexpected OTP request, its a red flag that someone may be trying to access your account.Bank Account and Credit Card ScamsThese messages often warn of suspicious activity on your bank account or credit card and ask you to take immediate action by clicking a link or providing your details.Example  Your account at Bank of America has been temporarily locked due to unusual activity. Click here to unlock your account: www.fakebanklogin.com.Banks will never ask you to verify your account through a text link. Always contact your bank directly using the phone number from your card or statement if you suspect an issue.Delivery ScamsScammers will send messages claiming that you have a package waiting for delivery, but they need additional information to process it.Example  UPS: We tried to deliver your package but need additional information. Please provide it here: www.fakedelivery.com.These messages are often designed to capture your personal information or steal credit card details. Always check with the delivery service directly through their official app or website.Fake Tech Support ScamsScammers impersonate tech support from well-known companies, claiming that your device has been compromised.Example:   Microsoft: Your device has been infected with malware. Click here to install antivirus software immediately.Legitimate tech support will never contact you this way. These scams aim to trick you into downloading malicious software that can steal personal data.Government or Tax ScamsScammers impersonate government agencies like the IRS, warning about unpaid taxes or offering refunds in an attempt to steal personal information.Example  IRS: You have an overdue payment of $1,500. Please pay immediately to avoid legal action.Government agencies will never ask for personal information or payments via text. Contact the agency directly if youre ever unsure.How to Report a Phishing/Smishing ScamIf you or a loved one encounters a suspicious text message, its important to report it to help stop the scammer from targeting others.Heres what you can do:Forward the Scam TextIn the U.S., you can forward scam texts to 7726 (SPAM). This service is provided by most major mobile carriers, and they will investigate suspicious messages.Report Scam to the FTC (Federal Trade Commission)You can report smishing and other frauds to the FTC by visiting their website at ftc.gov/complaint. Reporting these scams can help law enforcement track and shut down fraud rings.Report Scam to the Company Being ImpersonatedIf the scam text appears to be from a well-known company (like Amazon, your bank, or the IRS), you can report it directly to their fraud department.Block and Delete the Number from Suspicious MessageIf you receive a suspicious message, block the sender immediately and delete the text. Never engage with the message, as scammers can collect information based on your replies.Tips for Seniors to Protect Yourself from Smishing ScamsBe Skeptical of Urgent RequestsSmishing messages often create a sense of urgency, pressuring you to act quickly. Dont let the panic take overslow down and think it through.Verify with the Company DirectlyIf a message seems to come from a known company or institution, contact them using their official phone number or website. Never use the contact information provided in the suspicious message.Look for Red FlagsCommon red flags include poor grammar, generic greetings, and unsolicited offers. Trust your instinctsif something feels off, it probably is.Never Share Personal Information via TextLegitimate organizations will never ask for your passwords, credit card numbers, or OTPs via text. Always keep this information private.Install Security SoftwareThere are security apps that help detect and block phishing or smishing attempts. Consider installing one to safeguard your mobile device.Educate Your Loved OnesTalk to seniors about these common scams, and make sure they feel comfortable asking for help if they receive a suspicious message. Staying connected and informed can make all the difference. Keep Alert for New Scams Targeting SeniorsBy educating yourself and your loved ones about smishing and other scams, you can reduce the risk of falling victim to these harmful schemes. Always be cautious, never share personal information through text, and report suspicious activity immediately. Remember: when in doubt, dont click, dont reply, and always verify.