My Part D USA

I AM GETTING SO MANY CALLS AND EMAILS FROM PEOPLE WANTING TO KNOW WHEN THEY WILL FALL INTO THE DONUT HOLE AND THEY ALSO WANT TO KNOW WHAT THE YEARLY TOTALS ARE ON THE DRUG PLANS IN ORDER TO MAKE A SELECTION.

FOLKS, ALL YOU NEED TO WORRY ABOUT IS SAVING THE MOST ON YOUR MEDICATIONS UP TO THE “DREADED DONUT HOLE”.  YOU NEED TO FIND A PLAN THAT WILL SAVE YOU THE MOST ON YOUR PREMIUMS AND CO-PAYS ON THE FIRST $2,700. 

AFTER YOU HIT THE “DREADED DONUT HOLE” YOUR DRUG PLAN IS USELESS……..UNLESS!!! UNLESS, YOU WILL MAKE IT TO THE 95% CATASTROPHIC COVERAGE.  THEN YOU COULD USE ANY DRUG PLAN AT ALL BECAUSE THE MAIN FOCUS WOULD BE TO GET TO THE 95% COVERAGE AS QUICKLY AS POSSIBLE.  THE OUT OF POCKET LIMITS ARE ALL THE SAME ON ALL THE DRUG PLANS, SO YOU JUST NEED TO GET TO THE 95% COVERAGE FAST!

THE REST OF YOU WHO WILL FALL INTO THE “DREADED DONUT HOLE” TO NEVER GET OUT FOR THE YEAR, SHOULD STOP….STOP.….STOP USING YOUR DRUG PLAN CARD.  THAT IS THE WHOLE POINT OF MY SERMONS ON BUYING YOUR DRUGS ANYWHERE YOU CAN FIND THEM CHEAPER, INCLUDING ORDERING THEM FROM OTHER SOURCES FOR A LOWER PRICE!

YOUR DRUG PLAN WOULD LOVE FOR YOU TO CONTINUE TO PURCHASE ALL YOUR MEDICATIONS WHILE YOU ARE IN THE DONUT HOLE USING YOUR DRUG PLAN CARD.  MANY TIMES THEY RAISE THE RETAIL PRICE TO MAKE UP FOR THEIR LOSSES WHILE YOU WERE PAYING THE LOWER CO-PAY AMOUNTS. 

MY ADVICE IS HERE TO HELP YOU MAXIMIZE YOUR SAVINGS ON DRUGS!!!  SOMETIMES THAT INCLUDES USING YOUR DRUG PLAN CARD, AND SOMETIMES IT DOES NOT.  WHEN YOU COMBINE THESE TWO WAYS TO SAVE MONEY, THAT IS THE BEST WAY TO GO.  USE YOUR PART D DRUG PLAN FOR THE FIRST $2,700.  DO NOT BUY YOUR GENERICS ON YOUR DRUG PLAN BEGINNING JANUARY 1, 2009.  THIS WILL LEAVE MORE MONEY IN THE POT TO PAY FOR YOUR MORE EXPENSIVE MEDICATIONS USING YOUR DRUG PLAN CARD.  THIS WILL KEEP YOU OUT OF THE DONUT HOLE LONGER NEXT YEAR. 

ONCE YOU HIT THE “DREADED DONUT HOLE” YOU CAN PUT YOUR DRUG PLAN CARD IN A DARK PLACE.  HA!!  YOU MUST BEGIN SHOPPING AROUND FOR THE LOWEST PRICES AT THIS POINT.  YOU CAN GO ONLINE TO ORDER THEM FROM MANY DIFFERENT SOURCES TO SAVE THE MOST MONEY YOU POSSIBLY CAN. 

MY WHOLE POINT OF BEING HERE IS TO HELP YOU MAKE THE MOST OF YOUR BENEFITS, NOT TRY TO GET YOU TO BE LOYAL TO YOUR DRUG PLANS, BECAUSE YOUR DRUG PLANS ARE CERTAINLY NOT LOYAL TO YOU!!!

I HOPE NOW YOU GET THE COMPLETE PICTURE….. I AM TRYING TO HELP YOU.  PLEASE LET ME KNOW IF THIS IS A BETTER EXPLAINATION OF MAXIMIZING YOUR DRUG PLAN AND HELPING YOU UNDERSTAND THAT THE RETAIL PRICES DURING THE DONUT HOLE ARE IRRELIVANT IN CHOOSING THE BEST PLAN FOR YOU IN 2009.

QUESTION:  I HAVE BEEN SEARCHING ONLINE TO FIND THE BEST PLAN FOR ME AND MY WIFE FOR 2009, WHICH ONE DO YOU RECOMMEND?

ANSWER:  THE MOST IMPORTANT THING TO REMEMBER IS TO GET A DRUG PLAN COMPARISON BASED ON EACH INDIVIDUAL PERSONS MEDICATIONS.  THE PLAN THAT IS BEST FOR YOU MAY NOT BE THE BEST ONE FOR YOUR WIFE.  NEVER JOIN A PLAN WITH ANYONE UNLESS YOU FIRST FIND OUT IF THAT PLAN WILL COVER EVERY MEDICATION YOU TAKE.  THEN, LOOK AT THE PREMIUMS AND CO-PAYS……NEVER CHOOSE A DRUG PLAN BASED ONLY ON THE PREMIUM.  MANY CHEAPER PREMIUM PLANS DO NOT HAVE A COMPREHENSIVE FORMULARY AND MAY NOT COVER THAT MANY MEDICATIONS.  YOU MUST CHOOSE A PLAN BASED ON THE CO-PAY AMOUNTS FOR YOUR DRUGS.  THAT IS WHERE THE REAL SAVINGS LIES.  YOU COULD GET A PREMIUM THAT IS ONLY $25 A MONTH BUT YOUR CO-PAYS ARE MUCH HIGHER SO THAT ANY SAVINGS YOU SEE ON THE PREMIUM WILL BE EATEN BACK UP BY THE HIGH PRICES ON THE CO-PAYS.  ALSO, YOU NEED TO CHECK THEIR MAIL ORDER PRICES.  SOME PLANS HAVE VERY GOOD DISCOUNTS FOR YOU ON MAIL ORDER. 

YOU CAN USE OUR COMPARISON AT WWW.MYPARTDUSA.COM OR YOU CAN GO TO WWW.MEDICARE.GOV AND GET THE INFO YOU NEED TO MAKE THE BEST DECISION.

QUESTION:  I HAVE BEEN TRYING TO FIND OUT WHEN I WILL HIT THE DONUT HOLE IN 2009.  HOW DOES THIS AFFECT WHICH DRUG PLAN I SELECT?

ANSWER:  NO MATTER HOW HARD YOU TRY YOU COULD ONLY COME UP WITH AN APPROXIMATE TIME YOU WOULD FALL INTO THE “DREADED DONUT HOLE” AT BEST, BUT PLEASE TAKE INTO CONSIDERATION THAT IF YOU FALL INTO THE “DREADED DONUT HOLE” AND KNOW YOU WILL NOT GET TO THE 95% CATASTROPHIC COVERAGE, YOU NEED TO STOP USING YOUR DRUG PLAN THE MINUTE YOU FALL INTO THE “DREADED DONUT HOLE”.  AT THIS POINT, YOU NEED TO SHOP ANYWHERE YOU CAN FIND YOUR DRUGS CHEAPER OR ORDER THEM FROM SOMEPLACE THAT HAS A LOWER PRICE.  MANY TIMES THE PRICES YOU ARE CHARGED DURING THE “DREADED DONUT HOLE” WILL BE HIGHER THAN IF YOU DID NOT USE YOUR DRUG PLAN.  SO, PLEASE, SHOP AROUND!!! 

QUESTION:  I’VE HEARD ABOUT BUYING GENERICS OFF THE DRUG PLAN, WHY SHOULD I DO THAT WHEN I CAN GET FREE GENERICS ON MY DRUG PLAN?

ANSWER:  IF YOU KNOW YOU WILL NOT BE USING THE 95% CATASTROPHIC COVERAGE FOR THE YEAR…BEGINNING JANUARY 1, 2009 STOP BUYING YOUR GENERICS ON YOUR DRUG PLAN.  YOU CAN GO TO WALMART OR OTHER LARGE RETAILERS AND BUY YOUR DRUGS NOT USING YOUR DRUG CARD.  THIS WILL KEEP YOU OUT OF THE “DREADED DONUT HOLE” LONGER IN 2009.  EVEN THOUGH YOU MAY BE GETTING YOUR GENERICS FREE OR AT A LOW PRICE WITH YOUR CO-PAY, YOUR DRUG PLAN DINGS YOU A MUCH HIGHER AMOUNT THAT GOES TOWARD YOUR FALLING INTO THE “DREADED DONUT HOLE”.  YOUR DRUG PLAN MAY ACTUALLY BE CHARGING YOU $20, $30, OR $40 FOR YOUR GENERIC.  THIS ONE TIP CAN KEEP YOU OUT OF THE DONUT HOLE LONGER BY KEEPING MORE MONEY IN THE POT TO PAY FOR YOUR EXPENSIVE MEDICATIONS ON TIER 2 AND TIER 3. 

QUESTION:  WHAT DO I NEED TO BE MOST CONCERNED WITH IN CHOOSING A DRUG PLAN?

ANSWER:  THE THING YOU WANT TO BE MOST CONCERNED WITH IS SAVING THE MOST MONEY POSSIBLE ON YOUR PREMIUM AND CO-PAYS UP UNTIL YOU REACH THE “DREADED DONUT HOLE” AT $2,700.  THEN IF YOU WILL REACH THE CATASTROPHIC COVERAGE, GET THROUGH THE DONUT HOLE AS QUICKLY AS POSSIBLE, SO YOU WILL BEGIN TO GET THE 95% COVERAGE ASAP!!!

IF YOU WILL NOT EVER GET TO THE CATASTROPHIC COVERGE, YOU REALLY DON’T NEED TO WORRY ABOUT THE “DREADED DONUT HOLE” EXCEPT TO KNOW THAT YOU NEED TO STOP USING YOUR DRUG CARD TO MAKE PURCHASES.  REALLY, FOLKS, GO ANYWHERE YOU CAN FIND YOUR MEDS AT A LOWER PRICE.

YOU MUST CONTINUE TO PAY THE PREMIUM ON YOUR DRUG PLAN OR YOU WILL GET THE 1% PER MONTH PENALTY ADDED TO YOUR PREMIUM FOR LIFE, BUT THERE IS NO NEED TO PAY MORE FOR YOUR MEDICATIONS THAN IS ABSOLUTELY NECESSARY!!!

PLEASE READ MY OTHER BLOGS ON HOW TO MAKE CERTAIN YOUR $4 GENERICS PURCHASED OFF YOUR DRUG PLAN DO NOT GET ADDED TO YOUR PLAN.  I TALKED TO A LOCAL PHARMACIST WHO TOLD ME HOW TO DO THIS.  MANY TIMES PEOPLE WILL TELL THE PHARMACY NOT TO ADD THIS ON THEIR PLAN, BUT IT GETS ADDED TOWARD THEIR DONUT HOLE ANYWAY!!  YOU MUST FOLLOW MY DIRECTIONS!!!

MY PRAYER IS THAT ONE DAY THE NEXT ADMINISTRATION WILL SEE THAT THE PART D DRUG PLANS AND THE MEDICARE ADVANTAGE PLANS WERE NOT WRITTEN WITH THE MEDICARE BENEFICIARIES BEST INTERESTS IN MIND, BUT THOSE OF THE INSURANCE COMPANIES. 

PLEASE WRITE TO ME IF YOU HAVE ADDITIONAL QUESTIONS AND I WILL TRY TO ANSWER AS MANY AS POSSIBLE.  I WILL ALSO ANSWER THEM IN THIS BLOG.  DUE TO THE NUMBERS OF EMAIL I GET EACH DAY I AM SORRY, BUT I CANNOT RESPOND TO EVERY ONE OF THEM DIRECTLY TO YOU.  BUT PLEASE KNOW THAT I CARE ABOUT EVERY PROBLEM AND CONCERN I RECEIVE AND WILL TRY MY VERY BEST TO FIND AN ANSWER FOR YOU. 

THANKS TO EVERYONE OF MY READERS!!  KARYN

I was just interviewed by Gerri Willis on CNN.  She asked me many questions about Medicare and how we have been working with the General Motors retirees that are losing thier health care beneifts through the company. 

This should air either this Saturday or the next.  I will let you know as soon as I find out, so maybe you can watch me.  I don’t know if I can watch me!!!  HA!  So you all will have to tell me about it.

Last Monday we had an article with a mention of My Part D USA in the New York Times!!!  WOW!  I hope that many more people will find out about the BLOG from that and will use us as a resource for Medicare information. 

If anyone sees us in a paper where you live, please write and let me know.

Thanks,  Karyn

I WOULD LIKE TO LET YOU KNOW THAT IF YOU GO TO WWW.MYPARTDUSA.COM AND ENTER IN YOUR MEDICATIONS YOU CAN GET YOUR PART D DRUG PLAN COMPARISON BEGINNING TODAY!!! 

THANK YOU TO EVERYONE FOR BEING SO PATIENT AS THIS IS NOT AN EASY PROCESS.  IT TAKES OUR PROGRAMMERS LOTS OF TIME AND MANY DAYS OF CALCULATIONS TO GET THIS AVAILABLE FOR YOU.

PLEASE, IF YOU TAKE A GENERIC, YOU MUST ENTER IN THE GENERIC NAME TO GET AN ACCURATE COMPARISON.  THE TOP 5 NATIONAL PLANS THAT COVER YOUR DRUGS AT THE LOWEST CO-PAYS AND PREMIUMS WILL COME UP FOR YOU TO CHOOSE AND ENROLL EASILY ONLINE.

LET ME KNOW IF YOU HAVE ANY PROBLEMS OR QUESTIONS BY WRITING ME, KARYN BLAKE, AND I WILL GET BACK TO YOU ASAP!

Dear Readers:

It won’t be long now before the much anticipated drug plan comparison will be LIVE ONLINE for you to see on Nov. 15th.  I would like to thank you all for reading the BLOG this year and for all the emails and testimonials I get each day.  I would also like to thank you for your PATIENCE in waiting for the comparisons.  I do wish we could get this up sooner for you, but we have to wait for Medicare to get this information to us and of course we cannot have enrollments online until the 15th.

I have heard from some people that are doing their own research that talk about LOW PREMIUMS.  Yes, folks, a low premium is GREAT, but please do not make a choice based on low premiums.  Many times, the cheaper plans have a formulary that will not cover many medications.  If you get a low priced drug plan and your drugs are not covered, what good is that?  ALSO, SOME OF THE CHEAPER PREMIUM PLANS HAVE HIGHER CO-PAYS, AND THAT WILL REALLY COST YOU MUCH, MUCH MORE IN THE LONG RUN!!!

THAT IS WHY IT IS IMPERATAIVE THAT YOU GET A COMPARISON FOR 2009, TO MAKE SURE ALL YOUR DRUGS ARE COVERED AT THE LOWEST PREMIUMS AND CO-PAYS. 

Let me know if you have any questions and I’ll get back to you ASAP!!

QUESTION: I am losing my group health coverage with General Motors, 1-1-2009, that I have had since I retired. Now I must find a Medicare Supplement and make sure my benefits are as good as what I had. How do I compare these plans, it is so confusing?

ANSWER: We have been contacted by MANY General Motors retirees about this very subject. Keep in mind you will only have 63 days to get your Medicare Supplement with no underwriting on a guarenteed issue basis. EVERY STATE & SUPPLEMENT COMPANY HAS DIFFERENT PRICES FOR EACH PLAN. PLEASE REMEMBER THAT THE BENEFITS ARE ALL THE SAME ON EACH PLAN NO MATTER WHAT STATE OR COMPANY YOU CHOOSE. THAT IS WHY YOU NEED A COMPARISON OF MEDIGAP PLANS SO YOU CAN FIND THE BEST PRICE IN THE STATE YOU LIVE IN, FROM THE DIFFERENT CARRIERS. Let me run down the best Medicare Supplement plans and what they do and do not cover for you.

Plan J - This is the Cadillac of Medicare Supplement Plans. Some people like to pay for all the bells and whisles even though they may possibly not need them, just to have that extra luxury. Plan J has everything all the other plans have plus the following:

Prevenative Care - This is an extra $120.00 per year for prevenative care such as a physical. However, if you have any health issues your doctor will do all the bloodwork anyway and you will end up getting the equivalent service.

Home Heath Care - This is $40 per day up to $1,600.00 of unskilled care per year, such as bathing, household chores. If you need this type of care you are probably getting skilled care as well and this is covered under other less expensive plans. You can’t get much for $40 a day these days.

Excess Charges - Plan J will cover 100% of any charges over the limit that Medicare allows for your illness that your doctor bills you. This means that if Medicare allows your Doctor to charge you $3,000 to blast away your Kidney Stones, but the Doctor charges you $3,450, this Plan J will pay for it anyway. LEGALLY, YOUR DOCTOR CAN ONLY CHARGE YOU 15% OVER WHAT MEDICARE WILL PAY.

Part B Deductible - There is a $135.00 yearly deductible on a Medicare Supplement. Plan J covers this for you, however, you may be paying more in premium for this $135 than it is worth.

Plan F - Plan F is the Oldsmobile of Medicare Supplements. It covers everything plan J covers except the following:

Home Heath Care - $1,600.00 per year

Preventative Care - $120 per year

Plan G - Plan G is the Chevrolet of Medicare Supplements. It is the most cost effective plan if paying the premium is an issue for you, yet it still has good coverage. Plan G has everything including Home Heath Care except:

Prevenative Care - $120 per year

100% Excess Charge Coverage - This plan does pay for 80% of excess charges. Which will be more than sufficient in most cases. This means that if Medicare allows the Doctor to charge $2,000 to remove your Gallbladder, and the Doctor charges you $2,300 this Plan G would cover it all but $60.

Part B Deductible Coverage - Keep in mind that if you want your plan to pay for the $135 a year deductible you may be paying more in premium than it is worth.

Plan C - is the same as the F plan, but it does not cover ANY EXCESS CHARGES.

PLEASE UNDERSTAND THAT A MEDIGAP PLAN - SELECT WILL LIMIT YOUR CHOICES OF HOSPITALS. IF IT HAS THE WORD SELECT IN THE NAME, YOU MAY NOT WANT IT.

As you can see, there are many things to consider. It all comes down to how much premium you want to pay for coverage you may not need. Some people want it all and don’t mind paying a higher premium per month to get it. All Medicare Supplements pay the 20% of all your doctor and hospital bills that Medicare does not cover with their 80%. You can decide if you want all the extras, or maybe you don’t mind rolling up your own windows or not having heated leather seats. It is up to you!!

At My Part D USA we can consult with you and help you choose the plan that would be best for you based on YOUR NEEDS and DESIRES. We can also help you get your Supplement, no matter what Plan you choose at the lowest prices.

MEDICARE ADVANTAGE PLANS should be avoided, unless you cannot pay the monthly premium on Original Medicare combined with a Medicare Supplement/Medigap Plan.

ONE THING TO REMEMBER ON ADVANTAGE PLANS IS DOCTORS SOMETIMES CHARGE THE EXTRA 15% THAT THEY CAN LEGALLY CHARGE PEOPLE ON MEDICARE OVER THE MEDICARE FIXED ALLOWANCE FOR AN ILLNESS. MEDICARE ADVANTAGE PLAN DO NOT PAY ANY OF THESE EXCESS CHARGES!!!! THAT IS WHY PEOPLE HAVE MORE OUT OF POCKET COSTS WITH ADVANTAGE PLANS AND DO NOT GET THE COVERAGE THEY THOUGHT THEY WOULD BE GETTING, PLUS THEY STILL HAVE ALL THE CO-PAYS AND DEDUCTIBLES. NOW WHY WOULD ANYONE WANT THIS??? THAT COMBINED WITH THE FACT THAT YOUR DOCTOR AND HOSPITALS WILL NOT BE CONTRACTED TO TAKE AN ADVANTAGE PLAN’S TERMS OF PAYMENT FROM ONE VISIT TO THE NEXT, IT IS NOT WISE THAT ANYONE WOULD JOIN AN ADVANTAGE PLAN UNLESS THEY COULD NOT AFFORD A MEDIGAP PLAN OR THEY WERE DISABLED AND COULD NOT GET ANY OTHER KIND OF COVERAGE.That is what we recommend and we are standing by this. Keep in mind that you will be approached by many Medicare Advantage Plan salespersons, telling you that their plan is better than Original Medicare, BUT they do not compare against Original Medicare with a Traditional Medicare Supplement. There are many co-pays and hoops to jump through.

THAT IS WHY I CALL THE MEDICARE ADVANTAGE PLANS THE FORD PINTO OF MEDICARE COVERAGE - - IT JUST MIGHT BLOW UP ON YOU!!

You have worked hard and deserve the BEST COVERAGE!

When you come off your retirement plan you only have 63 days from the end of your group plan to get a Medicare Supplement with NO UNDERWRITING. This is the only time you will have NO HEALTH QUESTIONS ASKED AND A GUARANTEED ENROLLMENT ON THE PLAN OF YOUR CHOICE!

PLEASE CALL US TOLL FREE AS WE WOULD BE HONORED TO ASSIST YOU IN GETTING YOUR MEDIGAP AND PART D DRUG PLAN FOR 2009!!

QUESTION:  I am wondering what will happen if I join a drug plan during the AEP, Nov. 15 through Dec. 31 and find out I made a mistake or change my mind to get a better price?  What can I do?

ANSWER:  The Centers for Medicare state that you can change your drug plan up until Dec. 31st.  If you feel that you made a mistake about the plan you joined and want to switch, you can do so all the way till the 31st of December.  YOU ARE NOT STUCK!!!  Don’t feel as if it is written in blood.  All you need to do is send another enrollment to Medicare, and the last one standing Dec. 31st is the drug plan you will have for 2009.

QUESTION:  I am losing my GROUP RETIREMENT HEALTH CARE COVERAGE ON JANUARY 1, 2009.  If I join a plan, say in November, and realize I could get better coverage with something else, can I change it?  What are my options?

ANSWER:  If you are losing your coverage you are in your OPEN ENROLLMENT PERIOD.  YOU ACTUALLY HAVE UNTIL 63 DAYS AFTER JANUARY 1, 2009, TO MAKE ANY KIND OF CHANGES THAT YOU WANT TO MAKE.  Let’s say you joined a MEDICARE ADVANTAGE PLAN, and a few weeks later you decide you don’t want it, all you have to do is cancel it and send in an application to a MEDIGAP/MEDICARE SUPPLEMENT company.  Then you can get a stand alone drug plan to go with it.  NO PROBLEM.  You are still in your guaranteed issue period and no health questions will be asked.  EVEN IF YOU WAIT UNTIL AFTER JANUARY AND GO TO THE DOCTOR AND FIND OUT YOU DON’T LIKE THE COVERAGE ON YOUR MEDICARE ADVANTAGE PLAN, YOU CAN CHANGE IT TO A MEDIGAP/MEDICARE SUPPLEMENT WITHIN THAT 63 DAY PERIOD.  Please don’t feel like you can’t change your decisions.  THIS WILL TAKE THE PRESSURE OFF OF YOU, SO THAT YOU HAVE TIME TO THINK, EDUCATE YOURSELF, AND CALL US TO GET PRICES AND OPTIONS. 

QUESTION:  I was told by my sales representative that was helping me decide on my health coverage that I HAD TO MAKE MY DECISION WITH HIM IN 48 HOURS.  COULD THIS POSSIBLY BE TRUE?

ANSWER:  I HAVE NEVER HEARD OF ANYTHING MORE RIDICULOUS IN MY ENTIRE LIFE TIME.  IF A SALESPERSON TRIES TO PRESSURE YOU BY GIVING YOU ULTIMATUMS AND TIME RESTRICTIONS, THEY ARE VERY DESPERATE TO MAKE A SALE.  PLEASE DO NOT FALL FOR THAT.  YOU CAN GO ANYWHERE AND DO ANYTHING YOU WANT TO DO WITHIN THE CENTERS FOR MEDICARE’S ANNUAL ENROLLMENT PERIOD OF NOVEMBER 15TH THROUGH DECEMBER 31ST.   IF YOU ARE LOSING YOUR GROUP RETIREMENT BENEFITS YOU HAVE YOUR ENTIRE OPEN ENROLLMENT PERIOD TO CHANGE AND DECIDE ON PLANS.  THERE ARE NO TIME LIMITS SUCH AS 48 HOURS, A WEEK, ECT…..I THINK I HAVE NOW HEARD IT ALL, FOLKS!!!!!

PLEASE CONTACT ME, KARYN BLAKE, IF YOU HAVE OTHER QUESTIONS OR IF YOU ARE BEING PRESSURED BY A SALESPERSON WITH ULTIMATUMS OR ARE GIVEN INFORMATION THAT IS QUESTIONABLE.  I WILL BE HAPPY TO ADDRESS IT HERE ON THE BLOG, SO THAT EVERYONE CAN GET THE CORRECT INFORMATION.  YOU MAY BE SAVING SOMEONE ELSE FROM FALLING FOR SCAMS.