Archive for December, 2009

My Part D USA Can Help You If You Are Losing Your Retirement Healthcare Coverage

Everyday thousands of Seniors lose the coverage they earned from their employer retirement health care plans.

We can give you comparison prices for MEDICARE SUPPLEMENT/MEDIGAP plans to cover the 20% that Medicare Part A & B do not cover.

It is not too late to get your healthcare started January 1, 2010, just fill out the worksheet at www.MyPartDusa.com or call us toll free at 866-752-1795.

If you read the testimonials, on the right hand side of this page and click in the RED BOX to read all of them and there are literally hundreds on the blog, you will see why people come back to us each year for their drug plan comparison and refer people to us, their friends, family when they area turning 65 and need Medicare coverage.

We make sure you get the best coverage AND the lowest premiums.  As you know a Plan F is a Plan F, or a Plan J is a Plan J, no matter which insurance company offers the coverage.  THE ONLY DIFFERENCE IS ONE COMPANY WILL CHARGE YOU A HIGHER PREMIUM FOR THE SAME EXACT COVERAGE. That is where we come in to help you choose an “A” rated company while still getting the lowest premiums!

Our Consultants are NOT like a call center. They actually CARE about you.  It may sound too good to be true, but we are small enough to still care.  Even though we help thousands of people each year, we are not like those big companies that hire anybody that can fog a mirror to assist you with this most important decision.

THOUGHT FOR THE DAY:   It’s alright to be Goliath, but always treat people and act like David!

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, 2009 in Traditional Medicare Supplements.

Start your free comparison now!

MEDICARE PART D HELP!

HELP!  HELP!  HELP!

This is a word I hear hundreds of times a day this time of year.

You can use our free online comparison at 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 December 14, 2009 in Drug Plan Enrollment.

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CAN YOU QUALIFY FOR PART D EXTRA HELP PROGRAMS?

  • Have you applied for Medicare Drug Assistance (LIS)?

This is a special program for people with limited income and assets where:

1. Medicare would help pay the premium.

2. Your co-pays would range from $2 to $7 on your most expensive meds

3. You Wouldn NOT Have a Donut Hole

Qualifications Income Assets

Single                           $16,245 annually          $11,990

Married                        $21,855 annually          $23,970

(the limits are higher if you have other people living in your home)

You can go online at Social Security to  complete the online application at:

https://s044a90.ssa.gov/apps6z/i1020/main.html OR you can call or visit your local Social Security Office and tell them you want to apply for Medicare Part D Limited Income Subsidy Program

Thanks again for visiting our site, MyPartDusa.com, and working with us.  Make sure you return every year to do a drug plan comparison as Part D drug plans change every year. 

Have a Happy 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 10, 2009 in Medicare Help For Low Income.

Start your free comparison now!

HELP FOR MEDICARE DISABILITY

ARE YOU ON MEDICARE DISABILITY?

  • What do you have to help you with your doctors and hospitals?

In some states, a Medicare Supplement may not be available to you based on the affordability, your eligibility, or your existing health conditions may prevent you from getting through underwriting.

You still need good affordable, quality health insurance, and a Medicare Advantage Plan may be best for you.  The only health condition that would prevent you from obtaining this valuable coverage is ESRD. (end-stage renal disease)

There are many different types of Medicare Advantage Plans, some would include your drugs, dental, and vision benefits.  For more information, please call the Medicare Advantage Plan enrollment center to talk with someone about all your options.

866-752-1795 – Advantage Plans

Please visit MyPartDusa.com for your Medicare Drug Plan Comparison.  We hope you find it helpful in making an informed decision for your 2010 drug plan selection.

As you all know our policy is that the best coverage is a Medicare/Medigap Supplement and stand alone drug plan.  However, for people on disability or who absolutely cannot afford the premium on these plans or they do not have a Supplement for disability available in their state…a Medicare Advantage Plan is the only option.

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 10, 2009 in Medicare Help For Low Income.

Start your free comparison now!

Easy Drug Card For Discounts On Prescriptions

Another way you can save money on some medications is to download this free discount card.  When you get into the donut hole or your medication is not covered under your drug plan you can use this card and see what kind of discount you get….any savings is helpful!!!

Go to:  www.EasyDrugCard.com

Pass this on to your friends by clicking on the “send to a friend” link below!

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 10, 2009 in REPUTALBE DISCOUNT DRUG CARDS.

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Do NOT GET FOOLED By The Big Double A

As I was watching yet another ad on TV for Medicare Coverage I came across another company who I cannot name but I think you know who I am referring to as the double A.  I do commend them often for their exceptional marketing techniques.  However, they were talking about and had the words MEDICARE SUPPLEMENT on the TV screen. I called the number and requested the information for Medicare Supplements ONLY!!

DO YOU KNOW WHAT I GOT?

Medicare Advantage Plan Information

Please beware….these companies will try absolutely anything to get you on a Medicare Advantage Plan.  Please read my other blogs in the catagory section on the left hand side of this blog under “Medicare Advantage Plans” about why you should not consider this option.

THOUGHT FOR THE DAY: When you are arguing with a fool, make sure he isn’t doing the same thing.

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 9, 2009 in SENIORS WATCH OUT FOR SCAMS.

Start your free comparison now!

Medicare Company Big H Cuts The Cheese!

I know that everyone is so sick of all the Medicare commercials on TV.  We are ALL familiar with the Big H, I cannot say the name because they will have lawyers sending me letters.  I saw one this morning as I was getting ready to come into the office.  It had me in stitches…laughing, yet crying that these big insurance companies think Seniors and people on Medicare are so stupid.  Yet again, it also is simply criminal that they have made Medicare plans so confusing that we actually feel “stupid” when trying to get a drug plan comparison or decide between going with a Medigap/Medicare Supplement or a Medicare Advantage Plan.

This particular company actually had huge pieces of Swiss cheese to help us understand the “holes” in Medicare. The first piece of cheese had lots of holes in it showing what Original Medicare does not cover.  The second piece of cheese had less holes when you purchase a Medicare Advantage Plan, and the third piece of Swiss cheese only had one hole left for Part D drug coverage.  They were trying to help you understand that if you get their Medicare Advantage Plan that you will have NO HOLES IN YOUR MEDICARE PIECE OF CHEESE.

I WILL GIVE YOU A FEW MOMENTS TO STOP LAUGHING!

#1 Original Medicare Parts A & B pay 80% of your doctor and hospital costs.  If you get a Medicare Supplement this covers the other 20%.

#2 - If you get a Medicare Part D drug plan comparison and choose a stand alone Part D plan you will have no more holes in your cheese.

The 2 options above are the only 2 things you need to have the best, most comprehensive, choice oriented coverage the Medicare system has to offer.

When you join a Medicare Advantage Plan you have no network of doctors or hospitals that may or may not take the coverage.  They aslo try to intice you with gym memberships, wellness care, dental care…etc….But, folks, THESE ARE JUST TEASER OPTIONS.  The actual benefits are not worth the risk you take in joining Medicare Advantage plans…….UNLESS

#1. You cannot afford the premium on a Medicare Supplement/Medigap plan

#2. You are disabled and there is no Medicare Supplement offered in your state or you cannot afford the premiums.

DON’T GET CAUGHT IN THE SMELL OF AN INSURANCE COMPANY CUTTING THE CHEESE ON YOU!

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 9, 2009 in Traditional Medicare Supplements.

Start your free comparison now!

WHAT DOES THE “LAW” SAY ABOUT BUYING GENERICS OFF YOUR PART D PLAN? WHY DOES MY PHARMACY TELL ME IT IS AGAINST THE LAW TO BUY MY GENERICS NOT USING MY DRUG PLAN COVERAGE?

Dear Readers,

I am still getting many questions about this subject.  I called Medicare myself and was told that there is NO law that requires you to file a claim on any kind of insurance plan.   If you have a fender bender and decide to pay for the repairs yourself, is that against the law?  NO!

Part D is insurance for your drugs.  It is totally up to you whether or not you want to file a claim for any purchase of any medications.

If a pharmacy tells you they have to file a claim:

1. They are telling a lie in order to receive a higher re-embursement from the government.

2. Report them to Medicare at 800-633-4227 and issue a formal complaint against them.

Some people find it easier to go to one drug store for their generics, and another for their brands.  At the generic store, do not give them your Part D Plan card or your Social Security number.  All they need to process your prescription is your date of birth, phone number and address.

Then make them show you that they did not file a claim.  It should be located on your prescription receipt if it says CASH, or the name or ID number of your Part D Plan.  Also, check your statement from your drug plan like it was your bank statement monthly and make sure that no generics were charged.

Please read the other blogs under “drug savings tips” on the left side under categories to learn more!

THOUGHT FOR THE DAY: LIVING WELL IS THE BEST REVENGE!

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 2, 2009 in SENIORS WATCH OUT FOR SCAMS.

Start your free comparison now!