My Part D USA

So, now it is February!  The new year has already started to go fast!

I hope all of you are sticking to your new diets or at least adding supplements to your diets, such as CoQ10 and Fish Oil and drinking lots of green tea.

I lost 50 lbs last year and am going to work on losing a few more by June.  It is hard, but I try to keep motivated by knowing I won’t have to take so many medications and that means SAVING MONEY!!!

One great website to get health info on is www.realage.com

Now, to get down to business of Medicare…..as you know My Part D USA can give you the best service.  Why?  Because we actually do comparisons of drug plans and Medicare Supplements that will give you the coverage you need at the best prices.  Just read the Testimonials.  I get them in from people all over the country everyday.  They are so tired of being confused and not knowing what companies to deal with.  Since we are NOT an insurance company, we do not work for any particular plans and can help YOU find what YOU need, instead of what some insurance agent wants to sell you.

As always, if you have lost your retirement coverage or you are new to Medicare, we can help you any time of year get the plans you need.  Just either fill out the online form or give us a call!  Someone will answer the phone as well!  Many people tell me how nice it is just to hear a human being on the other end instead of all the prompts for #1 if you want to listen to a recording, #2 if you want to leave a message or #3 if you want to pull your hair out!!

Hope you are having a GREAT 2010 so far and we hope to hear from you soon.

JOKE OF THE DAY:  A man goes to his psychiatrist and says “Dr. what should I do, my brother thinks he’s a chicken?”  The doctor says “why don’t you get him committed?”  “I would”, the man says, but I really need the eggs!”

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.

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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.

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2. Unstable Fables: Tortoise vs. Hare film 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! Paint Your Wagon ipod

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.

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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.

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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.

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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.

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

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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.

The War Lord film 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!!

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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.

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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.

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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!

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:

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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. contact divx

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

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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.

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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.

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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!

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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!

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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”! The Adventures of Elmo in Grouchland divx

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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

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will be different on each plan.

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The are using the terms….

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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”

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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”.

It has been annouced that there are NO plans available for the 2008 coverage year that will include brands during the “donut hole”. We have recieved many calls asking what plan will give more help next year. Unfortunately, there will not be a national plan available.

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Last year we had Sierra RX, but they took themselves off the marketplace for 2008. The first year Humana had a plan with brands covered during the donut hole with a premium around $85. Last year many people did not get a comparison and did not realize that Humana has discontinued that coverage and were stuck paying a higher premiun with only generics being covered in the “donut hole”.

That is why we strongly advise you to get a comparison each and every year so that you will not be suprised when your plan changes.
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Begining November 15 to December 31st you can go to www.MyPartDusa.com and get a live comparison and also enroll in the plan you choose to be best for you. Enrolling has never been easier! If you need to speak to a personal consultant with any questions or help to navigate the site, please call toll free 866-752-1795. The Cutting Edge: Going for the Gold hd The Nephew rip

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We have been receiving so many calls from people that are in the dreaded “donut hole” and need help to pay for their prescriptions. There are no national plans that pay for brands during the “donut hole”, so when you fall into it there is very little you can do. I have a few suggestions:

1. When you begin your plan for 2008, buy all the generics you can OFF YOUR DRUG CARD. There are many large retailers that sell generics for $4. That way all those charges don’t count toward your donut hole, leaving more in the pot to pay for your brands. Only use your drug card to pay for brands and the generics that are too pricey to pay for them off your plan. This will extend the time it takes you to fall into the dreaded “donut hole”.

2. Use generics whenever possible.

3. IF YOU KNOW WITH A CAPITAL K-N-O-W that you will not reach the catistrophic coverage of 95% and you will fall in the “donut hole” never to reach the other side, YOU MUST SHOP AROUND AND COMPARE PRICING AT DIFFERENT STORES, ONLINE, EVERYWHERE.

You do not have to continue to buy your drugs using your drug plan card. If you will reach the 95% coverage you must continue to use your card so you will get credit for all your purchases!!!

4. Try going to the Drug Manufactures

themselves and asking if you qualify to recieve your drugs for free. They do give out free medications to those who have income too high to receive the Part D Drug Assistance Program from Social Security, but still low enough to need help. You will have many hoops to jump through but it may help. They will require statements from your Part D Plan to prove you are in the donut hole and income records to prove you need the assistance. You can find these companies online.

5. Call us to see if you qualify for any of the “extra help” programs. If you do you will not have a “donut hole” at all!

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