Archive for November, 2008

Staying out of Dreaded Donut Hole Staying Longer in 2009

HELLO READERS:

I HAVE BEEN GETTING MANY EMAILS WITH LISTS OF DRUGS IN THEM ASKING WHICH PLAN IS BEST FOR YOU.  PLEASE GO TO WWW.MYPARTDUSA.COM OR CLICK ON “START YOUR COMPARISON NOW” ON THIS BLOG.  ALL YOU HAVE TO DO IS ENTER IN YOUR DRUG NAMES TO SEE YOUR COMPARISON FOR 2009.  YOUR TOP 5 PLANS WILL COME UP FOR YOU TO CHOOSE AND ENROLL IN A PLAN FOR 2009 THAT WILL SAVE YOU THE MOST MONEY.  WHEN YOU SEND ME YOUR LIST OF DRUGS IN AN EMAIL, I CANNOT DO A COMPARISON FOR YOU.  THAT IS WHY WE BUILT THE COMPARISON AND HAVE IT ONLINE SO THAT YOU COULD DO THIS YOURSELF AND MAKE YOUR OWN CHOICE.

AFTER YOU SEE YOUR COMPARISON, IF YOU HAVE FURTHER QUESTIONS, PLEASE EMAIL ME OR CALL US TO SPEAK WITH A CONSULTANT.  WE WOULD BE MORE THAN HAPPY TO ANSWER YOUR QUESTIONS.  MAKE SURE THAT YOU CLICK ON “MORE INFO” BELOW EACH DRUG PLAN TO FIND OUT THE SPECIAL BENEFITS OF EACH PLAN.

ALSO, PLEASE CHECK OUT THE CATAGORY SECTION ON THE LEFT SIDE OF THIS BLOG.  YOU CAN CLICK ON “DRUG SAVINGS TIPS” & “DONUT HOLE HELP”.  PLEASE READ THESE BLOGS BEFORE YOU MAKE A CHOICE ON A DRUG PLAN FOR 2009.  THESE TIPS ALONE COULD KEEP YOU OUT OF THE “DREADED DONUT HOLE” FOR MONTHS LONGER AND HELP YOU SAVE MORE MONEY TOO!!

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 28, 2008 in Drug Plan Enrollment.

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Clonazepam, Lorazepam and others are Covered in BONUS DRUG LISTS FOR PART D DRUG PLANS, CALL US FOR HELP!

I GET EMAILS EVERYDAY FROM PEOPLE WONDERING WHAT PLANS OUT THERE WILL COVER LORAZEPAM AND OTHER DRUGS THAT ARE NOT NORMALLY ON THE MEDICARE APPROVED DRUG LIST.  I HAVE DISCOVERED THAT SOME DRUG PLANS HAVE BONUS LISTS THAT THEY WILL COVER FOR YOU EVEN THOUGH MEDICARE WILL NOT, AS AN EXTRA SERVICE TO YOU.

SOME OF THESE DRUGS ARE:  HYDROCODONE, ALPRAZOLAM, PHRENILIN FORTE, DOLGIC, MEPHYTON,OXAZEPAM, TEMAZEPAM AND ZEBUTAL.

PLEASE CALL OUR TOLL FREE NUMBER TO SPEAK WITH A CONSULTANT AND LET THEM KNOW WHAT DRUG YOU NEED TO GET COVERED.  THEY WILL BE ABLE TO FIND A PLAN FOR YOU THAT WILL COVER THESE “SPECIAL DRUGS”.

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 25, 2008 in Drug Plan Enrollment.

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HEARTFELT FEEDBACK TO MY PART D USA FOR GETTING HELP WITH MEDICARE PART D DRUG PLANS AND DRUG SAVINGS ADVICE

DEAR READERS:

I DON’T USUALLY WRITE BLOGS ABOUT TESTIMONIALS, BUT I WANTED TO SHARE A COUPLE OF THEM THAT I GOT OVER THE WEEKEND.  IT REALLY MEANS THE WORLD TO ME WHEN I GET SOME WONDERFUL FEEDBACK AND HEARING HOW OUR ASSISTANCE HAS ACTUALLY HELPED SOMEONE.  THANK YOU SO MUCH FOR SENDING THESE IN TO ME:

DEAR KARYN,

YOU HAVE NO IDEA HOW BIG A HELP THIS WEBSITE HAS BEEN!!  I HAVE SPENT HOURS, AND HOURS, DAYS AND DAYS GOING THROUGH THE 51 OR SO PART D PLANS.  THIS SITE NARROWED IT DOWN IMMEDIATELY TO 5 PLANS AFTER I ENTERED ALL MY MEDICATIONS, ETC.  I HAVE NOW PRETTY MUCH PICKED A PLAN TO ENROLL MY MOTHER.  I WISH I WOULD HAVE KNOWN ABOUT YOU EARLIER.  IT WOULD HAVE SAVED ME SO MANY DAYS AND HOURS OF FRUSTRATION.  BUT HEY – AT LEAST NOW I CAN SEE THE LIGHT AT THE END OF THE TUNNEL.  MAY ALL GOOD FORTUNE RAIN DOWN UPON YOU!

MY BEST, CILLE DE PRIMO

DEAR MY PART D USA,

I JUST WANTED TO EXPRESS MY HEARTFELT CONGRATULATIONS TO YOU FOR HAVING SUCH WONDERFUL CONSULTANTS TO HELP US.  I USED TO WORK IN “CUSTOMER SERVICE” AND I WOULD HAVE DONE ANYTHING TO HAVE SUCH EMPLOYEES.  MY CONSULTANT EXHIBITED COMPASSION, COURTESY AND KINDNESS WHILE ALL THE TIME BEING EXTREMELY EFFICIENT AND PROFESSIONAL IN MANNER.  I WAS VERY APPREHENSIVE OF THE ANNUAL ELECTION PERIOD, AS I WAS AFRAID THAT I WOULD BE OVERWHELMED WITH WHAT I CALL “INSURANCE SPEAK”.  YOU TOOK ME THROUGH THE PROCESS AS PAINLESSLY AS POSSIBLE AND EVEN WENT TO EXTRA EFFORT TO MAKE CALCULATIONS FOR ME THAT I DIDN’T HAVE THE ABILITY TO PERFORM FOR MYSELF.  MY CONSULTANT ALLOWED ME TIME TO MAKE NOTES AND REPEATED THE FACTS AND FIGURES FOR ME.  I WILL BE RECOMMENDING YOUR SERVICE TO OTHERS!

VALERIE HOHENBERGER

MANY TIMES PEOPLE ONLY LET YOU KNOW WHEN THEY HAVE A PROBLEM OR A COMPLAINT, SO I AM VERY APPRECIATIVE AND HUMBLED WHEN I GET THESE KINDS OF TESTIMONIALS.  THANKFULLY, I GET AT LEAST 10 OR 20 A WEEK THAT I REGULARLY POST ON THE RIGHT SIDE OF THE BLOG.  YOU CAN READ ALL OF THEM BY CLICKING ON THE RED TESTIMONIALS BUTTON ON THE TOP RIGHT SIDE OF THE BLOG. 

I HOPE ALL OF YOU HAVE A WONDERFUL “THANKSGIVING WEEK” AND ENJOY THIS TIME WITH YOUR FAMILY AND FRIENDS.  I CERTAINLY HAVE SO MUCH TO BE THANKFUL FOR THIS YEAR, THANKS TO ALL OF YOU OUT THERE THAT READ MY BLOG AND RESPOND TO ME WITH QUESTIONS AND FEEDBACK.

HAPPY THANKSGIVING TO ALL,

KARYN BLAKE

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 24, 2008 in Drug Plan Enrollment.

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I WANT TO KNOW WHEN I WILL FALL INTO THE DONUT HOLE AND WHAT ARE THE RETAIL PRICES I WILL PAY DURING THE DONUT HOLE??

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.

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 19, 2008 in Drug Savings Tips.

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Q and A – HOW TO CHOOSE THE BEST PART D PLAN FOR 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.

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

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 19, 2008 in Drug Savings Tips.

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CNN and My Part D USA

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.

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 19, 2008 in Uncategorized.

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New York Times talks to Karyn Blake

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

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 19, 2008 in Uncategorized.

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TODAY IS FINALLY HERE!! NOVEMBER 15TH IS THE BEGINNING OF THE ANNUAL ELECTION PERIOD! THE ONLINE COMPARISONS ARE READY FOR YOU!

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!

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, 2008 in Drug Plan Enrollment.

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