Zane Harris, Medicare Insurance Broker
Zane Harris
Harris Insurance Consultants
Medicare Broker Licensed in KY, AR, CA, FL, GA, IN, MI, MT, NC, OH, TN, TX and VA
Contact Details
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Serving
Fairdale, KY
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Phone
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Website
About Me
Zane Harris is the owner and founder of Harris Insurance Consultants, an independent insurance agency based in Jeffersonville, Indiana. With nearly 20 years of experience, Zane specializes in helping individuals understand Medicare and make confident, informed coverage decisions.
As a Certified Senior Advisor (CSA) and Registered Social Security Analyst (RSSA), Zane assists clients who are approaching age 65, retiring from employer coverage, already enrolled in Medicare, or reviewing whether their current plan still meets their needs.
He explains Medicare Advantage, Medicare Supplement insurance, Part D prescription drug coverage, and Original Medicare in clear, understandable terms. As an independent agent, Zane can compare plans from multiple insurance carriers based on each client’s doctors, prescriptions, healthcare needs, budget, and preferences.
Known for his integrity, patience, and personalized service, Zane remains available to support clients after enrollment and as their needs change. He also provides guidance on life insurance, annuities, retirement income strategies, and Social Security optimization.
Whether you are enrolling in Medicare for the first time or reviewing existing coverage, Zane provides knowledgeable, transparent, and dependable guidance.
Q&A with Zane Harris
What are some ways to save on prescription drug costs?
Answer: There are several practical ways to reduce prescription drug costs:
**1. Review your drug coverage every year.**
Medicare drug plans can change their formularies, drug tiers, pharmacy networks, premiums, and copayments. When comparing plans, enter the exact name, dosage, quantity, and frequency of every medication you take. Look at the estimated **total yearly cost**, not just the monthly plan premium.
**2. Use a preferred in-network pharmacy.**
Many plans charge lower copayments at certain “preferred” pharmacies. Prices can vary considerably between pharmacies—even when using the same plan—so compare your plan’s preferred retail pharmacies and mail-order options.
**3. Ask about a 90-day supply.**
For medications you take regularly, a two- or three-month supply may cost less and can reduce the number of trips to the pharmacy. Check both retail and mail-order pricing because mail order is not automatically the least expensive option.
**4. Ask your doctor or pharmacist about lower-cost alternatives.**
A generic, biosimilar, or therapeutically similar medication on a lower formulary tier may cost substantially less. Never change medications, dosages, or split tablets without approval from your doctor or pharmacist. Lower-tier medications generally have lower cost-sharing.
**5. Ask about an exception when medically appropriate.**
When a necessary medication is not covered or is placed on a costly non-preferred tier, you or your prescriber may ask the plan for a formulary or tiering exception. The prescriber generally must explain why the covered or lower-cost alternatives would not work for you.
**6. Check whether you qualify for financial assistance.**
Medicare’s Extra Help program can reduce Part D premiums, deductibles, and prescription copayments for people who qualify. Also investigate Medicaid, Medicare Savings Programs, State Pharmaceutical Assistance Programs, charitable foundations, and manufacturer patient-assistance programs.