My Part D USA

QUESTION:  I talked to an Insurance Agent AND also called toll free numbers from several big Medicare Supplement companies about my Medicare Supplement and they either said that they didn’t do drug plan comparisons, or tried to sell me only the ones they sell without comparing other plans.  They also said most drug plans were all about the same anyway and they could sign me up now.  Is this true?

ANSWER:  95% of Licensed Insurance Agents do not want to take the time to help you find out about which drug plan would save you the most money.  They don’t get paid very much at all by the drug companies to do it.  There are more than 50 drug plan companies in each state. It is complicated and a huge pain in the backside.  They will, however, be MORE than happy to sell you a Medicare Supplement, something they do get paid to sell you.  I understand completely why they don’t want to “MESS” with drug plans.  However, this is My Part D USA.  We started in 2005 by giving you price  comparisons on your particular drugs and we still do it.  I guess what you are wondering now is WHY do we continue?  We believe that if you call a company who deals with Medicare coverage, you should be able to get help with ALL YOUR MEDICARE NEEDS.  Simple as that!  We get calls everyday from people who already bought a Medicare Supplement from an agent or company’s 800 number (without getting a Medicare Supplement price comparison either) and then want help with their drug plan.  They do NOT understand that by calling a company directly they have no AGENT, no one to stand up on their behalf, no one to service them.  It is so sad that they are not told the truth from the beginning.  You need to work with someone who is willing to care about your needs and ALL your Medicare benefits.  I understand that everyone needs to make a living.  All the companies care about is making money, as do some agents.  It is very sad that the Corporations do not want to pay anyone to help you anymore and you will find that less and less people are going to be willing to CARE about you and what is best for you regarding your Medicare decisions.

As the band Areosmith used to sing IT’S THE SAME OLE STORY, SAME OLE SONG AND DANCE, MY FRIEND!  Not much has changed when it comes down to what really matters with Medicare and that is finding someone to help you understand your benefits and discuss comparisons of Medicare Supplements, what they cover and how much the different companies will charge you….same for the Drug Plan Companies.  These days you must be very careful what you do because even though Medicare watches over “some” actions of these Insurance Companies people slip through the cracks everyday.  The drug plans do not care about you…they will do anything NOT pay for your medications.  They will also do everything they can do not to pay people (licensed agents) to help you decide which one will save you the most money.  That is why we don’t get paid a dime for giving you a drug plan comparison based on your particular medications.  NO ONE else out there will do that.  That is the one thing My Part D USA can offer you that no one else will do.  We actually do something that we don’t get paid for so that YOU will save the most money on your meds!!

QUESTION:  I am turning 65 and got a call directly from an insurance company who sold me a Medicare Supplement.  Now I can’t get anybody to help me with my Part D plan, get a comparison or talk to me when I have a question about my Medicare rights.  What did I do wrong???  I am very distressed and need help about my drugs because I need to save as much as possible.

ANSWER:  I get many, many calls all day from people who have already gone DIRECTLY to the company OR HAVE RESPONDED TO DIRECT MARKETING FROM AN INSURANCE COMPANY and purchased their Medicare Supplement. Then they need help with their Part D plan or want advice or help about other Medicare coverage issues and they do not have an ADVOCATE or AGENT to help them. They literally are in tears because they were new to Medicare and did not realize they were giving up getting comparisons or help regarding Medicare.  All the company is there to do is SELL you a Medicare Supplement.  They do NOT CARE ABOUT YOU! Every year YOU will need a new Part D plan comparison because the drug plans change the drugs they cover and the prices you pay for them each year.  You will have no one to help you!

IF YOU GO DIRECTLY TO AN INSURANCE COMPANY…AND GO THROUGH THEIR PHONE SALES DEPARTMENT, YOU WILL NOT HAVE AN AGENT OR ADVOCATE TO HELP YOU WITH ANYTHING ELSE THAT HAS TO DO WITH MEDICARE SUCH AS GETTING A PART D PLAN COMPARISON.  IF YOU EVER NEED ADVICE, HELP WITH A PROBLEM OR WANT SOMEONE ON YOUR SIDE, YOU FORFEIT THIS SERVICE!  THEY WILL NOT TELL YOU WHAT YOU ARE GIVING UP!!!

THE REASON IS: The companies do not want you to have a comparison, especially the Part D plan companies.  They want you to keep the same drug plan every year so they can stop covering your drugs and go way up on the price of the ones you already have with them.  They also don’t want to pay your agent a commission to assist you.  However, these savings do NOT help YOU, OR LOWER YOUR PREMIUM! The company keeps the money, while giving you less service!

At My Part D USA, when you turn 65, we do a comprehensive comparison for BOTH your doctor and hospital coverage and your Part D plan.

BETTER YET, we continue to do that each year for you during the Annual Election Period.  This year it is early, Oct. 15th to Dec. 7th.  We do not get paid to go the EXTRA MILE for you, but that is why so many people come to us and are so happy with the help we provide.  Just read the testimonials!

www.protectmedigap.org

Congress is debating proposals to reduce the national debt and AHIP is urging lawmakers to protect the Medigap coverage on which million of seniors and people with disabilities rely.  If we ever get into the voucher system, the security of government regulation is NOT enforced on Insurance Corporations, as was done when Medicare Advantage Plans were pushed on Seniors.  Insurance Corporations with no regulations are going to destroy any decent coverage Seniors can expect to receive.  If you were afraid of Obama care…this is much worse!  Insurance companies can determine who lives and who dies in this country, and that is NO exaggeration.

Please visit www.protectmedigap.org and find out what you can do to protect your Medicare benefits.

As always, we would be happy to help you if you are turning 65 to get comparisons of Medigap and Part D plans.

Everyday I get “feedback” forms in the mail from people we have worked with here at My Part D USA.  I thought I’d share a couple of them with you.  Helping people have peace of mind about their medical coverage is why we keep this website up and running year after year!

Dear My Part D USA: Absolutely incredible!  It was terrific to hear an actual voice and a “God Bless You”, very friendly, warm, and understanding.  Retiring after 30 years of teaching I found that I was in unchartered territory both emotionally and physically, but there have been unexpected support, not only from family but from strangers like My Part D USA, which I stumbled around and found on the computer.  Finally I had a voice that paced me through a process that has worked like “clockwork”! Thank you so much!

Robbie Davidson, Colorado

Dear My Part D USA: You guys went above and beyond on every issue and helped me get a great plan.  Thanks for all your time spent on me alone.  In today’s world it is most unusual to get the kind of service you gave and I appreciate it more than I can say!

T. Rice, Texas

Dear My Part D USA: Excellent – Everything went so FAST & EASY! I wish I had called you last year.  Thank you for your help.  At this age I was apprehensive about changing my medical insurance.  You made it very easy and within two weeks it was changed and I have the paperwork and saving money.  Thanks again!!

Nancy Leon, Ohio

If you need HELP with saving money on your doctor and hospital coverage any time of the year, just give us a call or email kblake@mypartdusa.org

GRILL GRATE – Instead of scrubbing the grate after using it, leave the grill on high with the cover on for 15 minutes.  Residue will cook away!

SHOWER CURTAIN LINER – Liners are so cheap.  Just replace it every six months.

PILLOW – After washing and drying a pillow it is never quite the same.  Throw it out and buy a new one.

MY PERSONAL FAVORITE…..MAKING THE BED – Microscopic dust mites – a leading cause of allergies – thrive on moisture in your matress and bedcovers.  Leaving the bed unmade allows moisture to escape.  If you really can’t stand an unmade bed, then make an appointment with a mental therapist.

WAXING THE CAR – Newer cars have tough finishes that don’t need wax for protection.

Inflammation is silently aging all of us faster than necessary.  There are many ways to combat inflammation in our bodies that leads to heart disease, cancer, joint pain etc.  Sugar is your enemy!  It makes your body produce unnecessary insulin and that turns whatever you eat to fat cells.  Fat cells harbor inflammation.  Here is a list of foods to lower the inflammation in your body.

Salmon, canned, fresh or frozen.  Sardines & Tuna.  Almonds, walnuts.  Avocados, olive oil.  Black beans, Black Eyed Peas, garbanzos (humus), lentils (red or green).  Beets, broccoli, cabbage, carrots, chard, collard greens, kale, mushrooms (maitake, portobello, shiitake), spinach, squash, sweet potatoes, tomatoes (canned tomatoes have more nutrients in them than fresh, really!!!).  Blackberries, blueberries, cantaloupe, cranberries, kiwi, lemons, limes, oranges, peaches, strawberries.

Cut out as much bread as possible!!!  It turns to sugar.  If you do eat breads eat very high fiber breads.  Just because it says whole wheat does NOT mean it is healthy for you.

Start out every day with the juice of one lemon in one cup of water or green tea.  Drink lots of water or tea all day.

Finish the last meal of the day as early as possible.

Season foods with garlic, basil, chives, ginger, turmeric, cinnamon, onions, peppers.

Take a 30 minute walk after your evening meal.

Eat until you are 80% full, as it takes your brain at least 10 minutes to tell you when you are done.

Excellent service, concise explanations, My Part D USA takes the time to cover all information.  Not in a hurry to get you off the phone until you are comfortable with the material.  Speaking to My Part D USA with their knowledge took the headache out of the process.  I have given 2 friends your email address already.  Thanks so much for your help!

Bonnie McCall,  TN

Thank you for helping me pick my Supplement and drug plan.  I saved money!  Very helpful service for 65’s and older.  Very polite, well educated, prompt, courteous and a pleasant experience working with My Part D USA.

Sal and Linda Knox, Indiana

GOOD QUESTION!! The answer is easy….WE CARE ABOUT YOU.  We actually care if you get the right coverage for your situation and your health issues.  That is unusual in the insurance business I must confess.  How can we afford to actually care?  WE DO NOT HAVE ONE INSURANCE COMPANY WE ARE LOYAL TO,  SO WE CAN GIVE YOU UNBIASED COMPARISONS OF ALL PLANS IN ALL STATES!

Most local agents are working for one company or they are making a higher commission to try and sell you a particular plan.  That is NOT the case here at My Part D USA. In fact, we don’t make a dime on any drug plan we recommend to you.  We show you comparisons based on YOUR medications.  We also do the SAME KIND OF COMPARISON for your doctor and hospital coverage.  There are so many Medicare Supplement/Medigap companies out there all trying to get your business.  We simplify the process for you so that you can get the best coverage for the lowest premium.

When you call our office you ALWAYS speak to a real person, not a machine to leave a message.  We go the extra mile to let you know we value your individual needs.  We are not a BIG company, but a FAMILY OWNED business based out of Chattanooga, TN even though we have helped thousands of people on Medicare in every state.

CLICK ON  ”START NOW” TO BEGIN YOUR MEDICARE JOURNEY!