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The New Year and Your Medicare Coverage

I hope you are having a great start to 2013!  I wanted to remind you that if you get a letter ANY TIME of the year from your Medicare Supplement Plan that they are going up in price, we can help you immediately.  You do not have to wait until the Annual Election Period for Part D Plans.  You can change your doctor and hospital coverage anytime of year to save money NOW!  We do a comparison of many different companies to find the best coverage for you at the lowest price. All you need to do is contact us at 866-752-1795.  We enjoy assisting 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 January 24, 2013 in Blog, BLOG ONLY, Traditional Medicare Supplements.

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Do I Need To Change My Medicare Supplement During The Annual Election Period for Medicare Part D?

If you are happy with your Medicare Supplement (your doctor and hospital coverage) you  do not have to change it now, however, it is a good idea to get a comparison if your Plan F or G has gone up in premiums!  I understand that many of you had increases this year.  Some of you find it more convenient to do it all at the same time. There is no need to pay more than necessary and we can help you with a quick toll free call to our office! 866-752-1795

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 October 13, 2012 in BLOG ONLY, Traditional Medicare Supplements.

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Question and Answer Regarding Part D Drug Plan Comparisons

QUESTION:  Why has it been harder to get a Part D plan comparison based on my medications than when Part D first came out in 2005?

ANSWER:  When Part D was signed in to law by President Bush in 2005 many people were very confused about what drug plan would be best for them.  There are over 50 drug plans in each state and the prices vary in each state.  Each drug plan can decide from year to year what drugs they cover and if they cover them as brands or generics.  If you contacted your Insurance Agent or a Brokerage that was helping you with your Medicare Supplement, the Insurance Companies that carried the Part D plans would pay them a commission to help you.  This was an incentive for agents to assist you.

These companies have since stopped helping us help you!  They do not want you to be able to get a comparison easily.  Drug companies make much more money if you simply stay on their drug plan no matter how much the prices go up or which of your drugs they decide NOT to cover.

Also when your agent would send in a drug plan application to the Part D Provider, they would not send us confirmations and we could not be sure you would have your coverage for the next year.  They simply would ACT as though they never received it.  Not only is this a disservice to the Medicare beneficiary, but to agents who make their living trying to assist you.  In essence, Drug Corporations have made it impossible for us to do our jobs.

The only way to get a comparison is to go directly to Medicare at www.Medicare.gov.   Then you can enroll directly with Medicare to make sure your application is processed.

Here at My Part D USA, we still try to do as many free comparisons during the Annual Election Period as we can.  With millions of you out there, it is most impossible to help everyone personally.

Anytime someone is turning 65 and needs to learn how to understand their benefits, we take them through a comprehensive study of your Part D comparison and explain it thoroughly so that you will be informed for the future.

We always do comparisons on your doctor and hospital coverage any time of the year if you have received a price increase.

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 October 13, 2012 in Blog, BLOG ONLY, Drug Plan Enrollment.

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2013 Changes In Part D Plans

As in past years, there is no 2013 Medicare Part D plan that offers complete Donut Hole coverage.  However, now that we have the Donut Hole Discount, most of you will still be able to save some money if you fall into the gap, with a 52% brand name drug discount and a 21% generic drug discount.

Please be sure that you do not inadvertently join a Medicare Advantage Plan with a built in Part D plan.  We never recommend these type plans because even though they sometimes have lower premiums, you give up your choices for the best Part D plan and the doctors and hospital you want to go to.  You are not using your Medicare Benefits and are on private insurance.  Medicare has no jurisdiction over these plans and they can drop you or deny coverage at any time.

Since many of these companies also sell Medicare Supplements they can confuse you with the products they offer.  These are the companies you see on TV commercials everyday.  Please do not let them talk you into inferior coverage plans.  Remember they are making more money when you purchase a Medicare Advantage Plan, while you the consumer pay the ultimate price:  bad healthcare, less choices, and no oversight by Medicare.

The new Deductive for 2013 on Part D plans has gone up a few dollars to $325.00

You will enter the Donut Hole after you purchase $2,970.00 worth of prescription drugs, based on retail value.

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 October 13, 2012 in Blog, BLOG ONLY, Drug Plan Enrollment.

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Save the Most on Your Drugs As Possible by Applying for Medicare Part D Limited Income Subsidy

Since we are now in the Annual Election Period for Medicare Part D, October 15 to December 7th, it is very important to make sure that you have applied for any Part D subsidy programs.  If you have previously been on the subsidy program you need to re-apply each year to make sure you continue to receive extra help.

If your income is low enough to qualify or you wish to check, please contact your local Social Security Office.  You can call or visit them.  Tell them that you wish to apply for the Medicare Part D Limited Income Subsidy Program.  If you do not use those exact words, many times, they will not help you, or act as though they don’t know what you are talking about.  This is a special program that helps people with lower incomes and those on disabilities afford their medications.  Don’t be ashamed or afraid to check!  These programs are in place to help you!

After you apply, SS will send you a letter letting you know how much extra help you have qualified for and you must immediately call your Part D provider to get their fax number or directions on how to get them a copy of this letter.  They have to get it in order to begin your benefits!  Then you will need to re-apply each year before the Annual Election Period.

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 October 13, 2012 in Blog, BLOG ONLY, DONUT HOLE HELP, Medicare Drug Assistance, Medicare Help For Low Income.

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Q & A About Medicare Cost Comparisons

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.

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 May 2, 2012 in Blog, BLOG ONLY, Drug Savings Tips, Traditional Medicare Supplements.

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What Is NEW About MEDICARE?

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!!

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 May 2, 2012 in Blog, BLOG ONLY, Drug Savings Tips.

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I CAN’T GET HELP WITH MY PART D PLAN, WHAT DID I DO WRONG? I THOUGHT I’D SAVE MONEY BY GOING DIRECTLY TO THE MEDICARE INSURANCE COMPANY!

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!

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 August 31, 2011 in Blog, BLOG ONLY, Drug Plan Enrollment, Drug Savings Tips, Traditional Medicare Supplements, Where do I go for HELP with Part D or Medicare Issues?.

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