DONUT HOLE HELP Archive

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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Why Should I Worry About Medicare Supplements?

Many people think they don’t need to worry about Medicare Supplements….. but if your premium has gone up in price we can help you.  You don’t need to give up coverage to get a lower price.  Please let us know your doctor and hospital coverage has gone UP and we will get a better priced plan for you with the same benefits.  This will help you pay for your drugs by saving you money on other coverage… find out what you are missing out on!!

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 September 2, 2010 in DONUT HOLE HELP, Drug Plan Enrollment, Traditional Medicare Supplements.

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How Can I Save More Money On Health Care Premiums?

Medigap (doctor and hospital) plans have gone UP! Also, if you are on a Group Retirement Plan, you may be paying an extremely high premium for the same benefits as those on Medicare Plans.  Don’t waste your money paying more for the SAME benefits! Tell us you need prices for the Medigap “Plan N” in your state.

We have already saved hundreds of thousands of dollars to seniors all across America who realized that staying on the same Medicare Supplement costs too much after years of increases.  RIGHT NOW, there are guaranteed issue Plan N Medicare Supplements!  This means no health questions asked.  Usually, you can’t change Medigap plans this easily and this may not last, so check it out.

Why spend time trying to save on your medications if you are spending too much on your doctor and hospital care?

Everybody is talking about using COMMON SENSE these days, so get a Medigap cost comparison today!

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 July 23, 2010 in DONUT HOLE HELP, Drug Savings Tips, Traditional Medicare Supplements.

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Laughter Really Is Good Medicine!

As I was sitting in my doctor’s office yesterday I picked up a WEBMD magazine.  You can go to their website at www.WebMD.com.  I found an article about how one of the best things for our hearts is LAUGHTER!  Not that we can all go and throw our Lipitor down the toilet, but just think about these few ideas:

1. Every day your heart beats about 100,000 times, sending 2,000 gallons of blood surging through your body.  All this blood feeds our organs and tissues, so we better take care of it by eating healthy, taking at least 3,000mg’s of Omega 3′s per day and doing some kind of exercise that gets our heart rate up.

2. A good belly laugh can send 20% more blood

flowing through your entire body!  Now who knew that?  One study found that when people watched a funny movie their blood flow increased.  That is why laughter is the perfect antidote to stress.  When you laugh, the lining of your blood vessel walls relaxes and expands and this excersises your heart muscle making it stronger.  So, find ways to make yourself laugh every day…..read jokes online, watch a funny movie or stand-up comedian.  There are too many stressful things to watch on TV.  One of these is your local news and all the arguing talking heads.  Who wants to spend their evening listening to people argue?  Many people do and this contributes to YOUR STRESS!

Watch old re-runs of Andy Griffith instead of Hannity or listening to all the horrible news stories, over and over again, that you can’t do anything about anyway.

I read one study about how the media causes stress in the elderly.

Many times all they have to entertain themselves is the BOOB TUBE or TV and the more news stories and talking heads they watched the more afraid, stressed, worried about the future and plain out paranoid they became.  Stress causes your immune system not to function properly which can cause sickness of many kinds.  It increases your blood pressure.  Choose what you watch as carefully as you choose other components of your health care.

3. A man’s heart weighs about 10 ounces, while a woman’s heart weights about 8 ounces.  Not only is a woman’s heart smaller than a man’s, but the signs that its in trouble are a lot less obvious.  Women have different symptoms of  a heart attack than men, such as nausea, indigestion and shoulder aches, rather than the hallmark chest pain.

I KNOW THERE ARE LOTS OF MEDICATIONS PEOPLE TAKE FOR HEART PROBLEMS THAT CANNOT BE REPLACED BY LAUGHTER, OMEGA 3′S OR ANYTHING ELSE, SO PLEASE, EVEN IF YOU ARE IN THE “DREADED DONUT HOLE” THIS TIME OF YEAR, DO NOT STOP TAKING YOUR NEEDED MEDICATIONS.  IF YOU FIND THAT YOU ABSOLUTELY CANNOT AFFORD TO BUY THEM ANYMORE, PLEASE CALL YOUR LOCAL SOCIAL SECURITY OFFICE AND TELL THEM YOU NEED TO APPLY FOR MEDICARE PART D LIMITED INCOME SUBSIDY PROGRAM.  IF YOU QUALIFY YOU WILL NOT HAVE A DONUT HOLE!  DO THIS TODAY.  IF YOU HAVE ANY QUESTIONS ABOUT DOING THIS, PLEASE WRITE ME AND I’LL GET BACK TO YOU ASAP! YOU MAY EVEN CONTACT THE DRUG MANUFACTURER.  MANY TIMES THEIR INCOME LIMITS ARE HIGHER AND YOU CAN GET HUGE DISCOUNTS DIRECTLY FROM THEM.

Thought for the Day: Some Doctors Say That Cheerful People Resist Disease Better Than Grumpy Ones.  The Surly Bird Catches The Germ.

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 4, 2009 in DONUT HOLE HELP.

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REPUTABLE DISCOUNT CARDS FOR HELP DURING THE DONUT HOLE

I have been getting many questions about DISCOUNT DRUG CARDS.  I have written other blogs warning you about some of them and to never pay a fee to recieve a discount.

There are some NEW cards circulating all across the country from reputable organizations that anyone that is paying retail for their medications or in the “donut hole” should definately check out!!

Please call your local United Way office, your local County or City Health Clinics, and also check with many of your local pharmacies.  Some cards will give you a better discount than others.

Just be sure that you never pay a FEE!

If someone asks you to pay for a discount card, you can be sure it is not one that is regulated by a reputable organization.

The discount cards I have had news reports about are located in Austin, Texas; Gastonia, North Carolina and Brevard County, Florida.  These cards are issued by non-profit organizations such as United Way and others.  Check in your local area to see if a discount card is available for 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 July 3, 2008 in DONUT HOLE HELP.

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IS THERE AN INSURANCE POLICY FOR “DONUT HOLE” COVERAGE?

QUESTION:

My mother has only a few hundred dollars left before she will go into the donut hole.  Do you know of any other kind of insurance we can get to cover her drugs during this time?  I don’t think she will be able to afford to pay for them when she has to pay full price.  What can I do to help her?

ANSWER:

I have not heard of any kind of insurance product that will cover drugs during the “donut hole”.  It is a shame that your mother may not be able to pay for her medications.  There are several things you can do.

1. Contact the manufacturer of that particular drug and ask them if they have any “free help” programs.  Many times they do help people with low incomes.

2. Find out if you qualify for the “extra help” programs through Social Security.  If you qualify, you will not have a donut hole on your Part D Plan.

3. IF YOU KNOW THAT YOU WILL NOT REACH THE OTHER SIDE OF THE DONUT HOLE TO THE 95% COVERAGE, YOU MUST BEGIN TO COMPARE PRICES.  YOU NEED TO SHOP ANYWHERE YOU CAN TO GET YOUR MEDICATIONS AT A LOWER PRICE.  DO NOT USE YOUR DRUG PLAN CARD!  YOU WILL STILL HAVE TO PAY YOUR PREMIUMS TO YOUR DRUG PLAN, BUT CERTAINLY YOU CAN FIND BETTER PRICES FOR YOUR DRUGS!

4. Next year, at the beginning of your plan for 2009, try to buy all your generics and lower priced medication at large retailers that have $4 generics.  This will leave more in the pot to pay for your very expensive medications, thereby extending the time it takes you to reach the dreaded “donut hole”.

If any of my readers knows of an insurance plan to cover the “donut hole”, please CONTACT ME ASAP, so we can check it out.

Until then, we must make the most of our drug plans and save as much as possible!

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 July 2, 2008 in DONUT HOLE HELP.

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WATCH OUT WHAT YOU PAY FOR GENERICS DURING THE DONUT HOLE

For those of you who have hit the dreaded “DONUT HOLE”

or the coverage gap that is built in to the Medicare Part D drug benefit, watch the prices of your generics! Many plans inflate prices for generic drugs during that time.  Some of these prices are far higher than widely available retail prices.

When you first join your drug plan you are paying the lower co-pay amounts, but when you fall into the “donut hole” and still present your drug card to the pharmacy, the drug plan still regulates the prices you pay.

IF YOU HAVE BEEN READING MY OTHER BLOGS ABOUT DONUT HOLE SAVING HINTS, I HAVE TOLD YOU TO STOP USING YOUR DRUG CARD DURING THE DONUT HOLE IF YOU ARE VERY SURE YOU WILL NOT REACH THE OTHER SIDE TO THE 95% BENEFIT.

How do you know if you are a victim of this scam?

1.  If the price indicated by your plan, as listed on the Medicare website, for a common generic drug is 2 to 3 times the prices charged by other Part D plans, you may be a redneck….I mean victim.  Just checking to see if you are listening!!!

2.  If the drug prices on your monthly statement for drugs purchased at the phamacy are much higher than the retial price available from your neighborhood pharmacy, you may be a victim.

3.  If your montly statement shows mail-order prices (not co-payments) that are higher than the price charged at your neighborhood pharmacy, you may be a victim.

Please look at your statement!  Call a pharmacy that you do not use and ask them for their price on your generic medication.  If you are paying more than that……..you CAN BUY YOUR DRUGS WHERE YOU FIND THEM CHEAPER WITHOUT USING YOUR DRUG PLAN!!!!!  Check around, shop everywhere!

You will still be required to pay your montly premium to your drug plan, but there is no need to pay higher prices for your medications!!

Congress is working on cracking down on this practice, but it won’t be implemented until 2010.  In the meantime, don’t be fooled into paying higher prices.

At My Part D USA we hope to educate you on the many ways you can save more money on prescriptions!

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 25, 2008 in DONUT HOLE HELP.

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DONUT HOLE COVERAGE FOR 2008

As we have mentioned before, there will be no National Drug Plan available in 2008 that will cover brand name drugs during the dreaded “donut hole”!

However, there will be plans that cover GENERICS during the “donut hole”.

You must pay attention to how the drug plan intends to cover them, because the quality of coverage will be different on each plan.

The are using the terms….

ALL GENERICS - all generics on their formulary

SOME GENERICS - they have a list of generics they will cover

PREFERRED GENERICS - they have a list of preferred generics they would have you use before covering any others

Before you enroll on a plan that covers generics during the “donut hole”

you need to check and see if your medications are on the list. The premiums on these plans are higher, so before you select one, make sure you can actually get your prescriptions on that plan.

When you go to our webiste, on the comparison page, we will have a box named MORE INFO, you can click on this box to see if your drugs will be covered during the “donut hole” on that particular plan you have selected.

Please don’t just assume that your medications will be covered if the plan says they will cover generics during the “donut hole”.

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 28, 2007 in DONUT HOLE HELP.

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