More Q and A about Medicare Part D
QUESTION:
MY WIFE AND I DON’T TAKE ANY MEDICATIONS SO WHY SHOULD I JOIN A PART D DRUG PLAN? CAN’T I WAIT UNTIL WE BEGIN TO TAKE DRUGS?
ANSWER:
DO YOU WAIT UNTIL YOU WRECK YOUR CAR TO BUY CAR INSURANCE? DO YOU WAIT UNTIL YOU GET SICK TO GET HEALTH INSURANCE? IT IS THE SAME THING WITH A DRUG PLAN. NO ONE CAN PREDICT THE FUTURE. I GET CALLS ALL DURING THE YEAR THAT SOMEONE HAS BEEN DIAGNOSED WITH A DISEASE AND THEY NEED EXPENSIVE MEDICATIONS, BUT THEY FAILED TO JOIN A PART D PLAN DURING THE AEP, OR ANNUAL ELECTION PERIOD. THEN THEY ARE SO UPSET THAT THEY CANNOT GET COVERAGE FOR ALMOST ANOTHER YEAR.
ALSO, IF YOU ARE ELIGIBLE FOR PART A AND/OR PART B AND DO NOT JOIN A PART D PLAN, YOU WILL HAVE A 1% PER MONTH PENALTY ADDED TO YOUR PREMIUM FOR LIFE WHENEVER YOU DO JOIN A PLAN.
QUESTION: I WANT TO COMPARE THE PLAN I HAD LAST YEAR TO THE ONES YOU LIST ON THE COMPARISON FOR ME FOR 2009. WHY DOES MY PLAN NOT COME UP FOR ME TO SEE?
ANSWER:
WHEN YOU GO TO WWW.MYPARTDUSA.COM AND ENTER IN YOUR DRUGS, THE TOP 5 PLANS FOR 2009 COME UP FOR YOU TO SEE BY CALCULATING THE MEDICATIONS YOU ARE TAKING. EVERYONE’S LIST WILL BE DIFFERENT. WE HAVE NO WAY TO KNOW WHAT PLAN YOU WERE ON LAST YEAR. WE ONLY SHOW YOU THE ONES THAT COME UP FOR YOU TO SAVE THE MOST IN 2009. YOU SHOULD HAVE RECIVED THE CHANGES FROM YOUR 2008 DRUG PLAN COMPANY IN THE MAIL. YOU CAN LOOK AT THAT LETTER AND COMPARE IT TO THE NEW CHOICES FOR 2009.
