Medicare Part D
Are All Your Drugs Covered?
Are You Saving the Most Money on Your Drugs?
Do you need a comparison of Doctor and Hospital
Supplement Plans?
Are You Losing Your Retirement Benefits?
Do you need a FREE cost comparison of the major Medicare Part D Drug Plans?
Simply enter in your medication names to receive a free and confidential comparison of Part D Drug Plans and Health benefits. If you use generics, you MUST enter in the generic name to get the most accurate comparison to save the most money.
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If you are losing your retirement health and drug plan coverage, or turning 65, we can help you in the same way we have helped the GM retirees and other groups such as American Airlines, Eastman-Kodak, Conoco-Phillips, Hewlett Packard, Vaught Aircraft, Whirlpool-Maytag, Alcatel-Lucent, Lehman Brothers, Northwest Airlines and many others. |
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All you need to do is click on “Start Your Free Comparison”,tell us about your situation and we will contact you with unbiased advice. Then you can make an informed decision about your Medicare benefits. |
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ARE YOU RETIRING OR NEW TO MEDICARE?
If you are ready to retire and are looking for your Medicare Supplement and Prescription Drug Plan, or shopping for a Medicare Advantage Plan that includes a PDP, we can help you at ANY TIME OF THE YEAR during your open enrollment.
You can enroll or change your drug plan "any time of year" if you have a SEP or Special Enrollment Period listed below:
- New to Medicare
- Recently moved to new state or coverage area
- Lost creditable drug coverage
- Approved for/or lost Drug Assistance Program
- In our out of long term care facility or illness rehab
If you are new to Medicare, and are enrolling for the first time in a Medicare Part D plan we can check each drug plan formulary, supplied to us from the Centers for Medicare, to make sure that all your drugs are covered and you have the drug plan that will save you the most money on your co-pays and premium.
If you have moved to a new state, or lost your drug coverage from your retirement program we can help you find the drug plan best suited for your needs.
Also, if you or a loved one are coming or going from a nursing home or Long Term Care Facility you can re-evaluate your plan any time of the year to save the most on your medications.
If you have been diagnosed with an illness and have been in rehab you have 30 days to change your drug plan to cover your new prescriptions at the lowest prices.
We can also help you qualify for EXTRA HELP PROGRAMS and send your application to Social Security.
Have you applied for Medicare Drug Assistance?
YOU MAY ALSO QUALIFY FOR THE MEDICARE DRUG ASSISTANCE PROGRAM!! If you have limited income and limited resources, we can help you enroll in this program that could save you much more than the Part D plan alone. Please fill out the worksheet.
| Qualifications | Income | Resources (home & car excluded) |
|---|---|---|
| Single | $16,245 or less | $12,500 or less |
| Married | $21,855 or less | $25,000 or less |
The Facts
If you are not currently spending a great deal out-of-pocket for drugs, the government is encouraging you to join a PDP as soon as you are eligible. WHY? Because there is a strong probability that as you get older your cost for prescription drugs will increase. In addition, there is a penalty of 1% per month for failing to join a drug plan during your enrollment period.
Coverage begins the month following the month you enroll on a Part D drug plan. Anyone can join a PDP as long as they are enrolled in Medicare Part A and/or Medicare Part B. These drug plans are regulated by the Centers for Medicare. After the first year, you can change your plan each year between November 15th and December 31st.
Important Dates
October 1, 2010 - Medicare Part D Prescription Drug plan shopping can start gathering information and evaluate Part D plans.
November 15 to December 31, 2010 - Here is your chance to join a Part D plan for 2011.
Keep in mind that whatever decision you make cannot be changed again until November of 2011, to go into effect for 2012. So, if you want a second opinion, get it NOW!
January 1, 2011 - Your 2011 Medicare Part D plan becomes effective and you will be able to begin using your Part D benefits.
January 1–February 14, 2011 - Starting in 2011, there will be a new period when you can change your coverage. This period, called the Medicare Advantage Disenrollment Period (MADP), will be January 1 through February 14. You can only make one change during this period and you can only switch from a Medicare Advantage plan to Original Medicare. We will need to help you choose a Medigap/Medicare Supplement to pay the 20% that Medicare Parts A & B do not cover. Parts A & B only cover 80% of your doctor and hospital expenses. Please fill out the form and let us know in the COMMENTS SECTION you need help with Medigap plans.
January 1–November 15, 2011 - Special Enrollment Period or (SEP) begins. This SEP is available for those people who enrolled into a Medicare Advantage Plan with a Prescription Drug Plan.
The qualifications for an SEP are as follows:
- New to Medicare
- Recently Moved
- Lost Credible drug coverage
- Approved for/or lost drug assistance program
- In or out of Long Term Care Facility or illness rehab
If you would like to get information about the differences between traditional Medicare Supplements with a separate PDP and the Medicare Advantage Plans with a built in PDP, please fill out the worksheet or call us directly. We can give you the valuable information you need to make the best decision!
Changes in the Standard Model for Medicare Part D Plans
INITIAL DEDUCTIBLE: $310
INITIAL COVERAGE LIMIT: $2,840 in 2011 (beginning of donut hole)
OUT OF POCKET THRESHOLD: $4,550 in 2011
Everyone Is Eligible
No matter what your income Medicare prescription drug coverage is insurance that covers both brand-name and generic prescription drugs at participating pharmacies in your area. A typical person with Medicare and no drug coverage could see total drug costs drop by about 50%.
You MUST join Part D for coverage to begin. The sooner you join, the sooner your coverage will begin...and the sooner you start saving money!!! You can pay your premiums by deducting them from your Social Security check just as you do your Part B premiums, or pay them through a bank draft.