Archive for December, 2007

DON’T FORGET TO CHECK THE "CATEGORIES & ARCHIVES" SECTION OF THE BLOG WHEN SEARCHING FOR THE TOPIC OR INFORMATION YOU NEED MOST!

Please remember to look through the CATEGORIES AND ARCHIVES if you do not see the topic you are searching for on the homepage of the blog.

You can look through each entry for every month, or look under the categories for Drug Savings Tips , Donut Hole Help, Medicare Advantage Plans etc….
These are located on the left side of this homepage.

If you cannot find the information that you need, you can email me:
kblake@MyPartDusa.org or you can call me toll free at
866-752-1795.

I am available to answer your questions and research topics of interest for you that pertain to Medicare issues.

It is our mission at My Part D USA to be your source for the information you need most!!

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 December 31, 2007 in Other Topics of Interest.

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Questions to Consider Before Joining a Medicare Advantage Plan

In addition to changing your drug plan from Nov. 15 to Dec. 31st you can also change your health plans.

Americans with Medicare can choose to receive their health benefits through Traditional Medicare, the program that allows you to see any doctor anywhere in the USA. 4 out of 5 people choose to use Traditional Medicare benefits.

Another option is the Medicare Advantage Plans or Private Fee For Service Plans. These are managed care plans where rules and restrictions apply.

Some MAP’s have built in Part D Drug Plans and others do not. You should compare the drug plan associated with the MAP to make sure you will save the most money. If you find that the Drug Plan is not the best, you can choose a Medicare Advantage Plan that allows you to have a stand alone drug plan. This means that you can choose which ever Drug Plan will be best for you.

Ask Yourself These Important Questions BEFORE you join a Medicare Advantage Plan:

1. Will I be able to use MY doctors?

2. Which specialists, hospitals, home health agencies and skilled nursing facilities are in the plan’s network?

3. Do I have to pay a plan premium?

4. How much will it cost in co-pays to see my primary doctor?

5. What happens if I need a second opinion or to see a specialist?

6. How much will I pay for a hospital stay?

7. What area does this plan cover, and what would happen if I were traveling or moved to another state or county?

8. Will the Medicare Advantage Plan work with my retirement benefits?

www.MyPartDusa.com can help you sort out all these decisions and help you enroll in the plan of your choice.

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 December 31, 2007 in Medicare Advantage Plans.

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MY PART D USA WILL BE CLOSED JANUARY 1 THRU JANUARY 6, 2008

HAPPY NEW YEAR!!! HAPPY NEW YEAR!!! HAPPY NEW YEAR!!!

My Part D USA would like to wish you all the best for 2008! We have been working non-stop everyday throughout the AEP to help you with your drug plan enrollments.

Our office will be closed January 1 thru January 6th, 2008. We will have an answering service to take messages and we will return your calls January 7th.

If you have questions about your drug plan, please call the customer service line of the drug plan you enrolled in. You should have these numbers on your confirmation we sent to you in your email. If you cannot find your confirmation, please look up your drug plan company online and find the number to call. They will be able to answer any question you may have.

After our break, we will be back to help you with all your Medicare needs!

THANK YOU FOR A GREAT 2007 AEP!!

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 December 30, 2007 in Other Topics of Interest.

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PENALTY WARNING – If you are not enrolled in a Medicare Part D Drug Plan by Dec. 31 you will Pay Penalty!

Yes, that is right! If you are eligible for joining a Medicare Part D drug plan and do not get enrolled by Dec. 31st

Medicare knows that everyone needs to get on a drug plan as protection from catastrophic drug prices. That is why they encourage you to get a plan, even if you do not currently take many or any meds. WHY? Because you don’t wait to get car insurance until AFTER you have an accident, DO YOU? A Part D drug plan is insurance protection that could help you if, God forbid, you get diagnosed with Cancer or have a Heart Attack during the year. Also, as we get older the chances for medication needs grows higher.

If you take no medications, you need to get on the plan with the lowest premium cost in your state. MY Part D USA can help you with this quickly and easily.

Remember, Monday is the 31st!!!

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 December 29, 2007 in Drug Plan Enrollment.

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ONLINE ENROLLMENT ON www.MyPartDusa.com ENDS AT 4:00 PM on MONDAY, DECEMBER 31ST 2007

We will be taking our last online enrollment on the website on Monday the 31st at 4 o’clock in the afternoon. Please, if you are waiting to enroll, get your choices in to us before this time.

If you need to enroll after that, you can go to Medicare’s website and enroll until 12 o’clock midnight on the 31st.

Please remember that since you are enrolling late you will not have your drug card and new plan information for 14 business days.

You must save your receipts for those purchases to be reimbursed from your new plan.

There are only 4 more days left to make your selections for Part D plans in 2008. You can always call us for assistance toll free at
866-752-1795.

MY PART D USA wishes you and your family a safe and

HAPPY NEW YEAR!

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 December 27, 2007 in Drug Plan Enrollment.

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MEDICARE ADVANTAGE PLANS ARE IN SEASON BEGINING JANUARY 1, 2008

If you have been shopping for your Medicare Part D Plan, you have probably been approached by someone or have recieved mail about changing to a MEDICARE ADVANTAGE PLAN. The season for OPEN ENROLLMENT for changing or enrolling in MEDICARE ADVANTAGE PLANS begins January 1 through March 31st of 2008.

MEDICARE ADVANTAGE PLANS are good for some people, but you must be absolutely sure you can live with the coverage. There are sales people that will tell you that these plans are as good as original Medicare. This can be very misleading. You actually give up your Medicare benefits, and your doctors and hospitals will be paid directly from the MEDICARE ADVANTAGE PLAN. Many doctors and hospitals WILL NOT ACCEPT THE TERMS OF PAYMENT FROM THESE ADVANTAGE PLANS. You must be certain that your doctor or hospital will accept these plans before you join them.

We have heard from many people that could not continue to go to the doctor of their choice. They had to search for a doctor that would accept these plans. If you are in the middle of health issues, and you can afford to keep your Traditional Medicare Supplement, YOU SHOULD KEEP YOUR MEDICARE SUPPLEMENT. There are many things that may not be covered by your MEDICARE ADVANTAGE PLAN.

An elderly gentleman here in Chattanooga, TN had scheduled a heart surgery and joined a MEDICARE ADVANTAGE PLAN. When he went in to have the surgery, his doctor nor the hospital would accept the terms of payment from his new plan. He had to postpone his surgery, until we could get him back on his Traditonal Medicare Supplement. This was very dangerous for him because he needed the surgery when it was scheduled.

We were able to do this because Medicare rules say that if you join a MEDICARE ADVANTAGE PLAN and are not happy with it for any reason, you have 12 months to get back on your Traditional Medicare Supplement, WITH NO UNDERWRITING. Had he waited after 12 months, he would have had to go through underwriting and all the health questions and would NOT have been able to get back on his Traditional Medicare Supplement. His Traditional Medicare Supplement was accepted at any doctor or hospital and payed the 20% of his surgery expenses and Original Medicare Part B payed 80%.

We recommend MEDICARE ADVANTAGE PLANS only for people on disability that cannot get any other type of coverage. We also recommend them for people who can absolutely NOT afford a Traditional Supplement.

For anyone else a Traditional Medicare Supplement is perferable because there are no hoops to jump through or co-pays to worry about. You know your doctor and hospital will accept them. You can go to a specialst anytime without referral and a Traditional Medicare Supplement is good anywhere in the USA. Many times MEDICARE ADVANTAGE PLANS are regional and do not travel well.

I know we all want to save a dollar where we can, but please, if you can afford your Traditional Medicare Supplement do not be drawn in by the lower or no premium sales pitch of the MEDICARE ADVANTAGE PLANS.

Please read my other blogs with further details about MEDICARE ADVANTAGE PLANS. You can find them on the left side of this webpage under “categories”.

At MY PART D USA we can help you find the best Traditional Medicare Supplement in your state. We can also help you if you feel a MEDICARE ADVANTAGE PLAN is right for you. There are many MEDICARE ADVANTAGE PLANS on the market and we will explain them to you and help you choose the one that benefits you the most.

www.MyPartDusa.com

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 December 27, 2007 in Medicare Advantage Plans.

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ONLY 6 DAYS LEFT TO MAKE YOUR CHANGES OR ENROLL IN YOUR MEDICARE PART D PLAN FOR 2008

We hope everyone had a very Merry Christmas, and now we look forward to the New Year of 2008.

If you have not made your changes to your drug plan or enrolled in a Medicare Part D Drug Plan, you only have 6 more days to do so.

If you do not get your 2008 comparison, you will not know which plan will save you the most money on your prescriptions next year. Please go to www.MyPartDusa.com and enter in your drug names, making sure you have the generic names if you take generics. The top 5 plans will come up for you in your state. You can then choose the one that looks best for your savings and enroll.

Please also be aware that since you are enrolling so late, you will not get your new drug card to take to the pharmacy for 14 business days.

This means you will not have your card for January 1st purchases, so you must keep your reciepts on anything you buy and your new drug plan will reimburse you for that cost. Your plan will be in effect January 1, but it may not be through processing yet.

If you have any questions you can always reach me 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 December 26, 2007 in Drug Plan Enrollment.

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MERRY CHRISTMAS

MY PART D USA would like to wish you and your family a very Merry Christmas and a Happy New Year.

We thank you for your continued support all through the year. We hope that we have been helpful to you in your quest for drug plan information and on other Medicare issues.

There have been many letters from people who have read about the differences between Medicare Advantage Plans and Traditional Supplements on my blog and have written me to say what a difference it made to them in their understanding of benefits. This makes it all worthwhile!!!

kblake@mypartdusa.org

Again, everyone at MY PART D USA wishes you a safe and wonderful Holiday Season.

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 December 21, 2007 in Other Topics of Interest.

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