Archive for November, 2007

WARNING – Don't give out BANK ACCOUNT NUMBERS TO ANYONE!

Today I received a phone call from a Senior Citizen in Oregon. She had just hung up the phone with a man named Michael Johnson who told her that unless she gave him her checking account numbers her Medicare Part D Plan for 2008 would be cancelled. He also told her that unless she gave him this information right then, she would be billed for $900, and would not be able to get her prescriptions filled. He also had her Social Security Number. She does not understand how he got this information. He was trying to SCARE her into this SCAM!

She told him absolutely NO! Then she got on the phone and called me. I told her to please call the Centers for Medicare and make a fraud report and also to call her local police department and the TV stations to make sure that other Senior Citizens are aware that these SCAMS are going on!

PLEASE, PLEASE, NEVER GIVE OUT THIS KIND OF INFORMATION OVER THE TELEPHONE. THESE PEOPLE ARE TRYING TO STEAL MONEY FROM YOU.

WHEN YOU JOIN A MEDICARE PART D PLAN THERE SHOULD BE NO EXCHANGE OF MONEY!! You will be billed directly from your drug plan or you can have the premium taken out of your Social Security check each month.

If you recieve a call such as this, don’t just say NO and ignore it.

Let someone know your have had a call like this so that others are warned.

This time of year Senior Citizens need to pay extra attention to these matters since it is the Annual Enrollment Period.

These kinds of crooks should be punished to the fullest extent of the law. I hope they are caught, and SOON!

Please write to me, Karyn Blake, here at My Part D USA’s blog at kblake@MyPartDusa.org. Or you can email this article to a friend.

Published by mypartdusa on November 29, 2007 in Drug Plan Enrollment.

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2008 Drug Plan Comparisons ARE LIVE ONLINE

We are getting questions from people calling about their 2008 drug plan comparisons. You can find these online when you go to the website and you must enter in the names of your medications. Please enter in the names that you find on your pill bottles, so you will have the generic name if that is what you actually take.

Many people are going in without a proper list and if you do this, you will not be getting an accurate comparison. YOU MUST use the actual names of the drugs you are taking.

When your comparison comes up for you, the top 4 plans without “donut hole” coverage will be first. The fifth plan is the top plan for your drugs that has generics covered during the “donut hole”.

You can select the plan that looks best to you and after you enroll you will recieve your new packet in 14 business days.

You will also recieve an email confirmation with your plans contact information to call them with any questions after 14 days.

Many people have asked us why their comparison is not online WITHOUT GIVING US THEIR DRUG NAMES. IF YOU DON’T ENTER IN YOUR DRUGS, THE COMPUTER CANNOT CALCULATE YOUR COMPARISON. These are calculated by your INDIVIDUAL DRUGS. Everyone will have different results on the comparison. Some of you might have thought that this comparison is like others online that show you every plan with the co-pays and premium listed. The difference in our comparison is that it is based on ONLY YOUR DRUG NAMES. It pulls up the top plans that will save you the most money.

If you have further questions about how the comparison works, please don’t hesitate to call me toll free at 866-752-1795.

Please write to me, Karyn Blake, here at My Part D USA’s blog at kblake@MyPartDusa.org. Or you can email this article to a friend.

Published by mypartdusa on November 27, 2007 in Drug Plan Enrollment.

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Do You Know The Difference Between Premiums and Co-Pays on Your Part D Drug Plan?

Yesterday, one of our Personal Consultants was on the line with an elderly gentleman trying to make a decision on his Medicare Part D Plan. He was so concerned about his premium being under $30 a month, that he was not paying any attention to his co-pay amounts.

We were trying to show him that although his premium could be $35 a month on his Part D plan, the co-pays on this particular plan were much lower than the plan he was looking at with a $30 premium. He just could not understand this concept.

On the $35 premium plan his Lipitor was going to be $20 a month. On the $30 premium plan he was going to pay $40.

So, to save $5 a month in premium, he was willing to pay an extra $20 a month for his Lipitor.

WHY?

Because, he didn’t understand the difference between the meaning of Premium and Co-Pays.

The PREMIUM is the monthly amount you pay to the Insurance Company to have your Medicare Part D Drug Plan in force. This comes out of your Social Security Check or you can have it on a bank draft.

The CO-PAY is the amount you will pay for your medications when you take your Drug Card from the Part D Plan you have enrolled in to the pharmacy.

If you have several different medications that you take each month, the co-pays can add up quickly and if your co-pays are higher than necessary, you will be paying so much more! It almost negates the importance of a lower premium altogether.

These comparisons will be LIVE ONLINE, Nov. 15th thru Dec. 31.

Please go there begining Nov. 15th and if you need help, please call
toll free 866-752-1795. Our licensed and certified Personal Consultants will be standing by to help you!

www.MyPartDusa.com

Please write to me, Karyn Blake, here at My Part D USA’s blog at kblake@MyPartDusa.org. Or you can email this article to a friend.

Published by mypartdusa on November 27, 2007 in Drug Plan Enrollment.

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Only ONE CHOICE, Make it the BEST ONE!

Many people are confused about how many choices they can make during the Annual Part D Enrollment Period of Nov. 15th thru Dec. 31st.

You can only choose ONE plan, and make ONE enrollment selection . If you enroll in a plan and decide 2 weeks later that you want to change, you will not be allowed to do so. You can imagine the confusion this would create with 43 million Medicare Beneficiaries making multiple choices thinking that the last one will stick!

That is why it is so important for you to get the best information possible BEFORE you select your 2008 Prescription Drug Plan. We understand that it is very difficult to hunt down each plan and find the formulary to see if all your drugs are covered and then compare the details, such as mail order pricing and “donut hole” thresholds.

When you enter in your drugs at My Part D USA all this is calculated and shown to you immediately during the AEP. You can then make your selection and enrollment right there, quickly and easily. Your enrollment will be sent to Medicare for processing.

Once you do this, your choice will be completed for 2008!
There are NO DO-OVERS!

Please make sure that you get on the plan that is best for you the first time, so you will have no regrets or confusion.

www.MyPartDusa.com

866-752-1795

Please write to me, Karyn Blake, here at My Part D USA’s blog at kblake@MyPartDusa.org. Or you can email this article to a friend.

Published by mypartdusa on November 25, 2007 in Drug Plan Enrollment.

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HAVE YOU SEEN YOUR MEDICARE PART D DRUG PLAN COMPARISON FOR 2008?

Have you gone to www.MyPartDusa.com and entered in your medications to see your Medicare Part D Drug Plan Comparison immediately?

When you go to the website and click on start now you can enter in your information to see what plans are generated based on the actual medications you take.

The top 4 plans that have the lowest co-pays and premium will come up for you. The 5th plan is the “donut hole” coverage of generics plan

We hope that we can continue to offer online comparisons that you can see quickly and easily. However, if you decide on a plan that we have shown you, please enroll with US. That is how we keep the site up and running for you each year.

If you have any questions, once you see your comparison, please call me toll free at 866-752-1795.

Please write to me, Karyn Blake, here at My Part D USA’s blog at kblake@MyPartDusa.org. Or you can email this article to a friend.

Published by mypartdusa on November 18, 2007 in Drug Plan Enrollment.

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MEDICARE ADVANTAGE PLAN WARNING!

Today, I got a call from a lady in Ohio saying that she had a salesman coming out to her house to enroll her on a Part D Plan. I would bet you dollars to donuts that he is coming to her house to enroll her in a Medicare Advantage Plan with a built in drug plan called an MAPD. The commission for a salesperson on a Part D plan is very small. I don’t know of a salesperson that would drive all the way out to your home just to talk about a drug plan. Medicare Advantage Plans have the highest commission rate of any kind of Medicare Health Coverage.

Please be careful that you don’t get confused by this and sign up on something you don’t understand.

If you already have a Traditional Medicare Supplement and you can afford the premium and you know your Doctor and Hospital will accept your supplemental insurance, you are better off to KEEP your Traditional Supplement. THEN, just enroll in a stand alone drug plan.

Medicare Advantage Plans will sound good for you because in some cases they have a much lower premium or no premium at all. However, you will have co-pays and many times your Doctor will not accept the terms of payment from these plans. I have heard many stories from people who had an ongoing illness, and they had been seeing the same Doctor for years. After they switched coverage, they had to change Doctors and had no choice who they could see. One man had a heart surgery scheduled and changed his coverage to a Medicare Advantage Plan and his Hospital would not accept the payment.

These salespeople will tell you that an MAPD is better than orignial Medicare. They say this because they may add in some minimal vision or dental coverage, but truly they are not better than Original Medicare that pays 80% of your doctor and hospital costs and your Traditional Supplement that pays the other 20%.

Remember, if you join an MAPD and are not happy with it or feel you had been misled or did not understand the plan, YOU CAN CANCEL IT AND GET BACK ON YOUR TRADITIONAL SUPPLEMENT WITH NO UNDERWRITING, within 12 months. If you stay on the MAPD over 12 months, you must go through the underwriting process to be able to get back on a Traditional Medicare Supplement. This may cause you to be turned down for coverage because of your health conditions.

If you ONLY WANT A STAND ALONE DRUG PLAN, STICK TO YOUR GUNS!! Remember as I said before, YOU ARE THE BOSS OF YOU!!

There are some people that could use a Medicare Advantage Plan and it would be a good decision for them. Many people on Medicare Disability could use a Medicare Advantage Plan before they become fully vested in the Medicare Health Benefits. If you absolutely cannot afford the premium on a Traditional Supplelment and you know your doctor will accept the plan, or you have very few health issues and don’t expect to have any, an MAPD might be right for you. Remember, your Doctor can refuse to accept the terms of an MAPD at ANYTIME.

Please write to me, Karyn Blake, here at My Part D USA’s blog at kblake@MyPartDusa.org. Or you can email this article to a friend.

Published by mypartdusa on November 16, 2007 in Medicare Advantage Plans.

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LADIES AND GENTLEMAN START YOUR ENGINES!!!

Everyone is on the starting line today!

It is the first day of the 2008 Medicare Part D Drug Enrollment, November 15th through December 31st.

Don’t go too fast!

As always, if you need help or have a question, call us toll free: 866-752-1795

Please write to me, Karyn Blake, here at My Part D USA’s blog at kblake@MyPartDusa.org. Or you can email this article to a friend.

Published by mypartdusa on November 15, 2007 in Drug Plan Enrollment.

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New GENERICS Available!

We are happy to help you know when new generics are available to you for more drug savings. If you are taking these medications, please check with your Doctor to see if you may be able to take the generic form.

Flonase – fluticasone propionate

Amaryl – glimepiride

Plavix – clopidogrel bisulfate

Norvasc – amlodipine besylate

Zithromax – azithromycin

Altace – ramipril

Please write to me, Karyn Blake, here at My Part D USA’s blog at kblake@MyPartDusa.org. Or you can email this article to a friend.

Published by mypartdusa on November 14, 2007 in Drug Savings Tips.

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