Archive for July, 2009

MANY UNIONS AND COMPANIES CANCELING HEALTHCARE BENEFITS FOR EMPLOYEES AND SPOUSES – GET HELP AT MY PART D USA

AS MANY OF YOU HAVE READ IN THE NEWS, MORE AND MORE COMPANIES AND UNIONS ARE NOT GOING TO CONTINUE TO COVER RETIREE HEALTHCARE AND DRUG BENEFITS!

We have recently heard that the UAW is canceling spousal benefits beginning Oct. 1, 2009.  This means that there will be many people trying to find answers to questions about what to do, what kind of coverage under Medicare should they enroll in and what drug plan will save them the most money and cover all their medications.

My Part D USA has helped thousands of people all over the country from many different companies and unions get comparisons of plans, so that you can understand the REAL QUESTIONS YOU NEED TO ASK AND NOT FEEL “SOLD TO”!!

1.  WHAT DOES MEDICARE COVER?

When you lose your employer coverage and need to get on Medicare, you will join Part A & B for all your doctor and hospital coverage.  This will cover ONLY 80% of those costs.  That is why you will need to get a Medicare Supplement/Medigap plan.  There are many plans out there.  They are all regulated by Medicare, ALL THE BENEFITS ON THE PLANS ARE THE SAME.  A PLAN F FROM ONE COMPANY IS THE SAME AS A PLAN F FROM ANOTHER COMPANY! The only difference is the premium cost you will pay each month.  Some companies will charge you a higher rate than another company.  What you need is a comparison of plans.

2.  WHAT ABOUT MEDICARE ADVANTAGE PLANS?

We do not recommend Medicare Advantage Plans.  They are going to be changing and many of the companies that sold them are getting out of the business.  Some Medicare Advantage Plans have gone up so high on their premiums, that it does not make any sense at all to pay the same as a Medigap plan for inferior coverage.  You can read more about the MA plans in the category section on the left side of this blog.

3.  How do we know which drug plan will be best for us?

There are over 50 different plans in every state to choose from.  All the plans have different prices and drugs they cover.  YOU MUST GET A COMPARISON USING YOUR MEDICATIONS!

ALL YOU NEED TO DO IS GO TO WWW.MYPARTDUSA.COM OR GO TO THE TOP OF THE LEFT HAND SIDE OF THE BLOG AND CLICK ON THE WEBSITE NAME.  THERE, YOU CAN FILL OUT A FORM TELLING US YOUR SITUATION.  EVERYONE HAS DIFFERENT ISSUES THEY NEED HELP WITH…..READ OUR TESTIMONIALS! SOMEONE WILL GET BACK TO YOU WITH YOUR COMPARISONS.

During the AEP, or Annual Election Period of each year Nov. 15th through Dec. 31st of each year, you will need a NEW comparison to make sure your drug plan is still going to cover your drugs at the lowest prices.  YOU WILL NOT NEED TO CHANGE YOUR MEDICARE SUPPLEMENT EACH YEAR, AS THE BENEFITS REMAIN THE SAME!

THE DRUG PLAN COMPARISONS WILL BE LIVE ONLINE FOR YOU DURING THE AEP EACH YEAR AND ENROLLMENT IS EASY AND QUIK ONLINE AT MY PART D USA.

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 July 28, 2009 in Uncategorized.

Start your free comparison now!