Archive for April, 2009

MY PART D USA – SAVE MORE ON YOUR PRESCRIPTIONS-READ MY SPRING/SUMMER DRUG SAVINGS NEWSLETTER

I get asked many times everyday how we can give you a free drug plan comparison.  The Centers for Medicare sends us all the new drug plans and prices for every state each year.  Using a list of your medications that you supply for us, we do a comparison for you to find the drug plan that will cover EVERY drug you take at the lowest co-pays and premiums.  WE DO NOT GET PAID FOR DOING THIS AND YOUR ENROLLMENT GOES DIRECTLY TO MEDICARE.  We are not selling drug plans or giving you biased advice.  We simply tell you the best plan for each individual based on your medications!

1. One Way to Maximize your drug savings is to ask your Doctor to give you higher dosages on your pills. Let’s say you take 50 mgs. of Tramadol twice a day, ask your Doctor to give you 100 mg. pills that you can break in half.  You will get twice the medicine and the price remains basically the same.  CAUTION: Please be careful when cutting your pills in half to make sure you continue to get the correct dosage.  Ask your doctor for instructions.

2. Always try to take generics over brandsHOT TIP: At least once a year go over all your prescriptions with your Doctor to make sure a generic has not been released on the medication you are taking.  This could save you hundreds of dollars.

3. IT IS NOT ILLEGAL TO BUY YOUR GENERICS OFF YOUR DRUG PLAN.  YOU WILL NOT FALL INTO THE “DONUT HOLE” AS QUICKLY IF YOU FOLLOW THIS ADVICE. Wal-Mart and some other large retailers and chain pharmacies are selling generics now for only $4.  You can buy your generics from them WITHOUT USING YOUR DRUG PLAN. This will keep you OUT of the “dreaded donut hole” longer each year.  Every prescription you purchase using your drug card add up to reaching the “dreaded donut hole” and this savings tip will leave  more in the pot to pay for your expensive meds.  Click on “drug savings tips” & “donut hole help” on the left hand side of this blog under categories.  Your pharmacy may a tell you it is illegal to NOT file a claim.  The reason they say this is because they get a higher reimbursement when you use your drug plan. Tell them YOU KNOW YOUR RIGHTS! You can learn the process to make sure the pharmacy does NOT file an unwanted claim on your drug plan insurance.

4. MEDICARE REFORM: DO YOU AGREE WITH OUR TOP 10 LIST OF THINGS WRONG WITH MEDICARE? COULD YOU COME UP WITH YOUR OWN LIST?  I’LL BET YOU COULD!  PLEASE READ OUR NEW WEBSITE AND SEND IT TO YOUR GOVERNMENT OFFICIALS!  CHANGES NEED TO BE MADE TO OUR MEDICARE SYSTEM.  GO TO:  www.Top10ThingsWrongWithMedicare.com or scroll down to that blog now.

5. When your doctor prescribes a new medication tell him you need to use SAMPLES first, or have him write a prescription for just a few days use.  You would not believe how many people get meds that they can’t take because they don’t like the side effects or it just doesn’t work for them.  When you find out if you are going to actually use a medication, THEN purchase it using your drug card. This savings using this tip alone could keep you OUT of the “dreaded donut hole” months longer, decreasing your costs.

7. In addition to asking your Doctor for free samples; tell your doctor then and there that you need to take the older tried and true medications instead of the new designer drugs that are so expensive!  We all love Sally Field, but I doubt you want to help the drug companies pay for her high salary endorsement contract.  HA!  Who pays for all the expensive advertising we all see every night on TV?  YOU, the consumer!  Tell your doctor you want to try the least expensive drugs first and see if they work for you!

6. Consider the mail order option on your drug plan. This would be good to use on your Tier 2 & Tier 3 meds. NOT GENERICS! On some plans you can order a 90 day supply of your meds for a considerable discount.  Call the customer help line for the plan you joined and ask them how to use the mail order option.

8.  If you have problems of any kind with your drug plan during the year and need help to get results, contact the Medicare Rights Center.  They have free lawyers and counselors there to assist you. www.MedicareRights.org

9. Begin every year by READING THE BLOG! As I learn more savings tips during the year I post them on the blog.  I also answer questions that are sent in about Medicare coverage and benefits.  My Part D USA’s #1 goal is to keep you informed about all aspects of Medicare issues.  It may be hard to believe in today’s dog eat dog marketplace, but we are here to HELP THE PEOPLE, not insurance companies!

10.  We always recommend that those of you who can afford the premiums on a Traditional Medicare Supplement stay on them instead of switching or choosing a Medicare Advantage Plan.  You may be approached by a salesperson telling you that MAPD plans are better than original Medicare, but they do not compare against original Medicare combined with a Medicare Supplement and a stand alone Part D drug plan.  The reason for this is the commissions paid on MAPD’s are at least double than if they recommended a Medicare Supplement.  There are some folks that need a MAPD because of being on disability or have health issues and cannot get enrolled on anything else.  Please read my blogs on the differences between MAPD’s and Medicare Supplements!  Educate yourself before you enroll on health care plans.

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 April 7, 2009 in Drug Savings Tips.

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