Archive for June, 2010

How To Get Help Paying For Medications

Hello everyone! From my last Newsletter about the changes in Medicare I got hundreds of responses from people in the “dreaded donut hole”!  If you make less than $16,245 per individual or $21,855 per married couple you may qualify for Medicare Part D Limited Income Subsidy. How many of you have tried to contact your local Social Security office to apply?  If you do qualify you will have a discounted premium, all drugs will be between $4 to $10  for a 30 day supply and there is NO donut hole. Please contact your local SS office and apply today!  You will get a letter in 2 to 3 weeks telling you if you qualified and/or at what level.  YOU MUST SEND A COPY of this letter to your Part D plan so they will know you have been awarded extra help.  You can also do this online at:

http://www.socialsecurity.gov/prescriptionhelp/

Also, if you have too much money….isn’t that ridiculous to think any amounts over those qualifications are too much money?….you can contact the manufacturer of your medication.  They have higher income limits and many of them will give you significant discounts.

I also received emails from many people talking about how their pharmacy will not let them get their generics OFF the drug plan. If your pharmacy tells you this, let them know you will will turn them in to Medicare.  You can call 800-633-4227 and issue a “formal complaint” against your pharmacy.  You do not have to make a claim on your drug plan.  It states plainly in the CMS guidelines that a pharmacy must file a claim, unless the Medicare beneficiary instructs them “NO”, do not file this under Part D drug plan insurance.   Remember, they want to file a claim because they get a larger fee from the insurance company.  YOU ARE IN CONTROL OF THE CLAIMS YOU FILE ON YOUR INSURANCE!  You do not have to give them your Social Security number to get a prescription filled.  All they need is your name, address and date of birth.

As we all know the best way to save on medications is not to take them.  I’m not being a sly boots!  We all know that some meds are needed no matter what and never stop taking them without talking to your doctor.   Please discuss with your doctor NATURAL ways to lower blood pressure and cholesterol.  It can be done!  TAKE A GOOD QUALITY FISH OIL TODAY AND EVERYDAY!  Have you seen the NEW drug commercials that are actually using Omega 3 fish oils? The drug manufacturers are going to try to sell us fish oil now.  I will be interested to know how much the “new” prescription fish oil will be.  If anyone knows about this, write me.  Please go to the left hand side of this blog under “Health & Wellness” to read more info on foods and supplements to improve our health.

As always, if you need lower prices on your doctor and hospital costs, we can help you.  Just give us a call at 866-752-1795. Tell us you want to check on the new “Plan N” Medigap Plans.

Joke for the Day :  I used to eat lots of natural foods and then I learned that most people die of natural causes.

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 June 17, 2010 in Where do I go for HELP with Part D or Medicare Issues?.

Start your free comparison now!

New Changes in Medicare Benefits

You may have received a brochure from Medicare in the past week or so.  There are many great benefit changes and I wanted to go over a few of them with you.

1. This year when/if  you fall into the “dreaded donut hole” you will get a check for $250, if you are not getting Limited Income Subsidy benefits.   This will give you a “little” extra help to pay for your expensive brands during that time.

2. Next year, 2011, if you reach the donut hole, you will get a 50% discount when buying Part D covered brand name drugs.  Now, that is what I’m talking about, folks!!!  Remember you should NEVER buy your generics using your Part D Plan.  Get them for $4 a month at many big box pharmacies.  This will keep you OUT of the donut hole longer each year.  Even though your co-pay is $8 for a generic on your drug plan, they ding your plan $20, $30 or more toward reaching the donut hole.  Watch your statements from your drug plan and make sure the pharmacy does not make a claim you have asked them not to make!

3 .  Over the next 10 years the donut hole will be closed, so the extra help you get will increase each year until then.

4. In 2011 preventive care will be covered with colorectal cancer and mammogram screenings, free annual physicals to make sure you stay on the right track with your personal plan to “stay healthy”.

5 .  We are very happy to see these changes take place.  If you remember, many of you signed our website for change at www.Top10ThingsWrongWithMedicare.com We personally presented our Senator Corker from Tennessee a copy of this website with over 2,000 of your signatures and stories printed off (it was a big folder) so he could read for himself the problems you have faced with your Medicare benefits and the perils of Part D.  If you have not read this website, please take a moment and check it out now.

6. Please scroll down the page at www.MyPartDusa.com/blog and read about the New Modernized Medicare Supplement Plans  (PLAN N) that are now available.  You can save as much as $100 a month on your premiums for doctor and hospital coverage.  I know your Medicare Supplements/Medigap Plans go up and up and up! RIGHT NOW THESE PLANS ARE GUARANTEED WITH NO HEALTH QUESTIONS FOR A LIMITED TIME ONLY, YOU CANNOT BE TURNED DOWN FOR COVERAGE. Please call us or use our worksheet on the website to get a Part D Comparison) and BE SURE to let us know you need “Plan N” info in the comments section! You can also email me at kblake@mypartdusa.org and let me know you want prices for Plan N in your state.

THOUGHT FOR THE DAYThe early bird gets the worm, however, the second mouse gets the cheese!

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 June 8, 2010 in Traditional Medicare Supplements.

Start your free comparison now!