My Part D USA

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!

Excellent, REAL PEOPLE, NO ANSWERING TREES!!!  The Webster’s Dictionary describes an angel as a supernatural being; a guiding influence…That is My Part D USA!   Steve Repoca, Arizona.

I get Testimonials every day from people we have helped through the MAZE of MEDICARE. Some of them are quick and right to the point.  Some are funny and some are so touching. You can read hundreds of them by clicking on MORE at the bottom of the ones listed on the right side of this page.   It it very rewarding to know that when we talk to you, we really help you relax and begin to understand that even though Medicare coverage can be confusing, you have found a place that is on YOUR side and willing to take the time you need to feel confident you have made the right choices.

Please take the time to read the category section of my blog on the left hand side and search around for topics you are concerned about.  If I haven’t covered  one of your questions, feel free to write me and I’ll get back to you ASAP.

If you are turning 65, or losing your retirement benefits give us a call.  We answer the phone and actually talk to you.  You will not push 1 if you want to leave a message or push 2 if you are ready to pull your hair out!!! We are still small enough to CARE and large enough to be experts in Medicare coverage because that is ALL we do.

At My Part D USA we know there are SO many choices when it comes to making decisions about your Medicare Coverage it can be overwhelming!!  We do all the legwork for you and shop the marketplace in your state!  We save you time and frustration from calling all the different companies who will try to sell you only what they have to offer. We do a comprehensive evaluation & comparison of both your Medicare Supplement (doctor and hospital) and your Part D Drug Plan.  With our assistance you can be sure you are getting the best coverage as well as the lowest premiums!  There are at least 50 different drug plans in each state and many Medicare Supplements. Getting a list of your drugs is the only way we can compare plans to make sure ALL your drugs are covered and we can explain and answer your questions about the different Supplements Plans such as F, G or N.  All these plans are regulated by The Centers for Medicare.  The only difference is one company will charge you a higher premium than another company and without a proper comparison, you may be paying too much.

Please take a moment and read the hundreds of Testimonials we receive from people after working with us!  We hope you will be one of them!

This time of the year you can’t help but see lots of TV commercials for Medicare benefits.  I get so mad that I just turn the channel!!  There are two major ones to beware of;  one beginning with an “H” and one beginning with an “A”.  Most of these are Medicare Advantage Plans and tell you that the benefits they offer are BETTER than Medicare.  This is completely FALSE!

All you need is Original Medicare and a good Priced Medigap/Medicare Supplement Plan and a Part D Plan that covers your meds at the lowest prices.  You can compare Part D plans on our website or you can go to www.Medicare.gov as well.

Please don’t be swayed by all these huge untrue claims.  Most Medicare Advantage Plans have gone out of business and will be going out of business.  If you feel that you need to save money on your doctor and hospital coverage, just give us a call and tell us you need to get some prices for Medigap/Medicare Supplement plans….we’d be happy to assist you.

Also, if you follow my advice and get as many of your generics as possible NOT using your drug plan….I have heard great things about Costco.  If you have one in your area, please compare prices before you shop at other drug stores in your community.

Write me with any questions or concerns!  I hope you are already enjoying the Christmas Season.  I’ve been hearing Christmas Carols since Halloween!  HA!

The “My Part D USA” drug plan comparison is up and running now!!

Just a little heads up from the girl sitting in the back row!  After looking over the drug plan comparisons for 2011, the premiums and co-pays are worse than ever.  You certainly need a comparison, but in all honesty, the drug plans are only helping those who take so much medicine that they get to the 95% coverage!   You can also check the comparison at www.Medicare.gov as well.

I think if I were turning 65 and only took a couple of generics…I would skip the drug plan until I needed it down the road.   However, you do take the risk of getting diagnosed with something and needing it during the year and not being able to get one till the next AEP, Nov. 15 to Dec. 31st.  Oh, and of course the 1% penalty per month on your premium for life…..I guess I am just so disgusted by these drug  companies I would boycott them until the government could unravel all the craziness so that they actually benefited the beneficiary and NOT just the insurance company.  I understand the insurance company has to “making a living” LOL, but the tables are turned TOO far in their favor and this year is the worst!

You must have heard by now that during the “dreaded donut hole” you will get a 50% discount on your Brand names…but it seems like they have covered their bases by doubling up on premiums and co-pays!!!  I was so excited by this news at first and it may very well help some people, but I tell you, the state of our health care is in a very sad place!

Hope you did get your comparison!!!!  Make sure your drug plan still covers the drugs you need.  You need it this year more than ever….the comparison is working now after a slow start…but what else is new?

We are very happy to be helping so many people who lost their Medicare Advantage Plans get back on Original Medicare and also those of you whose Medigap/Medicare Supplements have gone up in price get on a less expensive one!

HAVE A VERY HAPPY AND BLESSED THANKSGIVING!! Even though we  complain…we have so much to be thankful for everyday!!!

GRATITUDE IS THE ATTITUDE!

Here we are again:  November 15 to December 31st, 2010

It is time once again to get your Part D comparison for 2011.  Our web designers are working on the comparison as I am writing you!  When it gets started all you need to do is enter in your drug names and the top 5 plans that are calculated to save you the most money will come up for you in detail.  Then, when you make your choice, simply call Medicare at 800-633-4227 and enroll for 2011.  This will automatically cancel the plan you had in 2010!  We cannot take calls for Part D plans because as you can imagine we do not have thousands of people to take calls during this busy time.  But we wanted you to SEE your comparison. We also cannot enroll you on Part D plans, so that is why you must call Medicare yourself.

So many of the Part D drug plans have gone up in premium this year…and I really hate to hear people who call in after Dec. 31st and realize they are stuck on a bad drug plan for a WHOLE YEAR!  That is why we have this online for you.  We do not make ONE RED CENT. That is why it is almost impossible to find an insurance agent or website that gives you a detailed comparison of the 50 or so drug plans in every state all with different drugs they cover and different co-pays.  They want to make it as hard as they possibly can for you to get a comparison!  WHY?  Because the more people who don’t change their drug plan, the more money for the insurance companies!!!  It used to be that insurance agents would get a fee to help you, but they have taken that incentive away.  Also, the drug plan companies would flat out refuse to take our enrollments and make it as hard as they could for us to continue these comparisons.  So, that is why we cannot do enrollments and you must call Medicare yourself!

If your Medicare Supplement has GONE UP IN PRICE, we can help you with a comparison for that as well but will need to talk to you. This is for your doctor and hospital coverage only!  We also know that many of you are losing your Medicare Advantage Plans and will need to get back on Original Medicare and a Medicare Supplement.  As you may know Medicare Parts A & B pay 80% of your doctor and hospital bills, and your Medigap/Medicare Supplement pays the other 20%.  BUT, there is no need to pay a high premium for this coverage! Check with us!

ONE GREAT NEW BENEFIT FOR 2011 DRUG PLANS IS THAT DURING THE “DREADED DONUT HOLE” YOUR BRAND NAME DRUGS WILL BE AT A 50% DISCOUNT!!!! This is so fantastic…I know so many people will be helped tremendously by this savings!!

Please know that we provide online comparisons during the AEP for all of our Medigap/Medicare Supplement clients and when someone is turning 65, or new to Medicare and needs both a drug plan and a Medgap Plan we do the first one for you personally and go over all the facts, so that you will know how to read the annual comparisons ONLINE.

Just read the Testimonials on this BLOG and you will see how helpful My Part D USA is to people turning 65 and are just getting into the Medicare system!

PLEASE GO TO THE CATEGORY SECTION OF THIS BLOG ON THE LEFT HAND SIDE AND READ “DRUG SAVINGS TIPS”, “DONUT HOLE HELP” and other topics that could save you hundreds of dollars.

THANK YOU FOR ALLOWING US TO PROVIDE THIS SERVICE TO YOU EACH YEAR!

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!!

HELP!  HELP!  HELP!

This is a word I hear hundreds of times a day this time of year.

You can use our free online comparison at www.MyPartDusa.com