Drug Plan Enrollment Archive

SAVE MORE MONEY ON YOUR MEDICARE SUPPLEMENT

If you are turning 65, we do a comprehensive Medicare comparison package for you of BOTH your doctor and hospital coverage and your Part D drug plan.  Also, if you get a letter from your Medicare Supplement (doctor and hospital coverage) stating they are going UP in price, we can help you IMMEDIATELY! You can change your Medicare Supplement any time of the year!  All you need to to is call 866-752-1795 or fill out the comparison form.  Remember, you cannot change your Part D plan until October 15th to December 7th of each year.  However, your Medicare Supplement can be changed to save you money all year long! We look forward to 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 Drug Plan Enrollment, 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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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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Word of Mouth is our BEST Testimonial !!

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.

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 15, 2011 in Drug Plan Enrollment, Drug Savings Tips, Traditional Medicare Supplements.

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Are You Turning 65 or New to Medicare?

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!

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 February 25, 2011 in Drug Plan Enrollment, Traditional Medicare Supplements.

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Don’t Get Fooled Again by Drug and Insurance Companies!

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!

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 December 1, 2010 in Drug Plan Enrollment, Medicare Advantage Plans, Traditional Medicare Supplements.

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2011 Part D Drug Plans Worse Than EVER! Be Sure to Get Your Comparison for 2011!

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!

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 November 23, 2010 in Drug Plan Enrollment.

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