My Part D USA

QUESTION:

MY WIFE AND I DON’T TAKE ANY MEDICATIONS SO WHY SHOULD I JOIN A PART D DRUG PLAN?  CAN’T I WAIT UNTIL WE BEGIN TO TAKE DRUGS?

ANSWER:

DO YOU WAIT UNTIL YOU WRECK YOUR CAR TO BUY CAR INSURANCE?  DO YOU WAIT UNTIL YOU GET SICK TO GET HEALTH INSURANCE?  IT IS THE SAME THING WITH A DRUG PLAN.  NO ONE CAN PREDICT THE FUTURE.  I GET CALLS ALL DURING THE YEAR THAT SOMEONE HAS BEEN DIAGNOSED WITH A DISEASE AND THEY NEED EXPENSIVE MEDICATIONS, BUT THEY FAILED TO JOIN A PART D PLAN DURING THE AEP, OR ANNUAL ELECTION PERIOD.  THEN THEY ARE SO UPSET THAT THEY CANNOT GET COVERAGE FOR ALMOST ANOTHER YEAR.

ALSO, IF YOU ARE ELIGIBLE FOR PART A AND/OR PART B AND DO NOT JOIN A PART D PLAN, YOU WILL HAVE A 1% PER MONTH PENALTY ADDED TO YOUR PREMIUM FOR LIFE WHENEVER YOU DO JOIN A PLAN.

QUESTION: I WANT TO COMPARE THE PLAN I HAD LAST YEAR TO THE ONES YOU LIST ON THE COMPARISON FOR ME FOR 2009.  WHY DOES MY PLAN NOT COME UP FOR ME TO SEE?

ANSWER:

WHEN YOU GO TO WWW.MYPARTDUSA.COM AND ENTER IN YOUR DRUGS, THE TOP 5 PLANS FOR 2009 COME UP FOR YOU TO SEE BY CALCULATING THE MEDICATIONS YOU ARE TAKING.  EVERYONE’S LIST WILL BE DIFFERENT.  WE HAVE NO WAY TO KNOW WHAT PLAN YOU WERE ON LAST YEAR.  WE ONLY SHOW YOU THE ONES THAT COME UP FOR YOU TO SAVE THE MOST IN 2009.  YOU SHOULD HAVE RECIVED THE CHANGES FROM YOUR 2008 DRUG PLAN COMPANY IN THE MAIL.  YOU CAN LOOK AT THAT LETTER AND COMPARE IT TO THE NEW CHOICES FOR 2009.

QUESTION:  I already joined a Part D plan for 2009, but now I found another plan on your comparison that will cover my drugs for cheaper co-pays, can I change my drug plan again?

ANSWER:

YES, YOU CAN CHANGE YOUR DRUG PLAN AGAIN, IF YOU FIND ONE THAT IS BETTER FOR YOU.  YOU ARE NOT STUCK ON ANY DRUG PLAN UNTIL DECEMBER 31ST, 2008.  THE DRUG PLAN YOU ARE ENROLLED IN ON THAT DATE WILL BE THE PART D DRUG PLAN YOU HAVE IN 2009.  IF YOU HAVE NOT CHECKED OUT THE NEW PRICES ON YOUR 2008 DRUG PLAN, PLEASE DO SO NOW.  IF YOU HAVE NOT SEEN YOUR 2009 DRUG PLAN COMPARISON, PLEASE GO TO WWW.MYPARTDUSA.COM AND ENTER IN YOUR MEDICATIONS.  YOU CAN CHOOSE YOUR PLAN FOR 2009 AND ENROLL EASILY ONLINE.

QUESTION:

  My Dad has a Medicare Advantage Plan with a built in PDP or drug plan.  He has found a Part D plan that will save him more money on his drugs.  Can he keep this Advantage Plan, but choose his own Part D plan to save money?

ANSWER:

  NO, IF YOUR DAD ENROLLS ON A STAND ALONE PART D DRUG PLAN HE WILL LOSE HIS DOCTOR AND HOSPITAL COVERAGE.  THE ONLY WAY YOUR DAD CAN JOIN A STAND ALONE DRUG PLAN WOULD BE TO CHANGE HIS HEALTHCARE PLAN.  HE COULD SWITCH TO A MEDICARE ADVANTAGE PLAN THAT DOES NOT HAVE A BUILT IN DRUG PLAN, OR HE COULD TRY TO QUALIFY FOR A MEDIGAP/MEDICARE SUPPLEMENT PLAN.  PLEASE BE CAREFUL WHEN CHANGING COVERAGES DURING THE AEP, SO THAT YOU DO NOT DISTURB YOUR HEALTHCARE PLANS.  IF YOU HAVE QUESTIONS ON HOW TO COORDINATE YOUR DRUG AND HEALTH CARE COVERAGE, PLEASE CONTACT US TOLL FREE AT 866-752-1795.

QUESTION:

I AM PLANNING A NEW YEARS EVE PARTY THAT MANY OF MY FRIENDS AND FAMILY WILL ATTEND.  THERE WILL BE COCKTAILS AND DANCING TO THE OLDIES.  THE PARTY IS GOING TO BEGIN ABOUT 8 O’CLOCK IN THE EVENING ON DECEMBER 31ST, AS WE HOPE TO STAY AWAKE LONG ENOUGH TO WATCH THE BALL DROP AT TIMES SQUARE.  I WAS HOPING I COULD JOIN A MEDICARE PART D PLAN A FEW HOURS BEFORE THE PARTY STARTS.  DO YOU THINK THIS WILL BE A PROBLEM IF I NEED TO REFILL MY PAIN MEDICATION ON JANUARY 1, 2009??

ANSWER:  IF A CHICKEN AND A HALF CAN LAY AN EGG AND A HALF IN A DAY AND A HALF, HOW LONG WOULD IT TAKE A GRASSHOPPER WITH A WOODEN LEG TO KICK ALL THE SEEDS OUT OF A DILL PICKLE?  PLEASE KNOW THAT THE LONGER YOU TAKE TO JOIN A PART D PLAN, THE LONGER IT WILL TAKE YOU TO RECEIVE YOUR NEW DRUG PLAN CARDS TO TAKE TO THE PHARMACY TO PURCHASE YOUR MEDICATIONS.  IF YOU WAIT UNTIL DEC. 31ST, WHETHER YOU ARE PLANNING A PARTY OR NOT, YOU WILL NOT BE IN THE SYSTEM FOR THE PHARMACY TO LOOK UP YOUR NEW DRUG PLAN INFORMATION OR CO-PAY AMOUNTS.  IF YOU CAN, EITHER GET THE REFILLS YOU KNOW YOU WILL NEED NOW IN ORDER TO LAST UNTIL YOU GET YOUR NEW DRUG CARDS, OR JOIN A PART D DRUG PLAN AT LEAST BY DECEMBER 10TH.  IT TAKES YOUR DRUG PLAN AND MEDICARE 3 WEEKS TO PROCESS YOUR NEW PART D PLAN AND GET YOUR NEW CARDS IN THE MAIL TO YOU.  I’M GLAD YOU STILL HAVE THE ENERGY AND GOOD HEALTH TO DRINK AND DANCE TO THE OLDIES, JUST BE CAREFUL!!!  YOU MAY NOT NEED THE PAIN MEDS THE NEXT DAY AFTER ALL!!

HELLO READERS:

I HAVE BEEN GETTING MANY EMAILS WITH LISTS OF DRUGS IN THEM ASKING WHICH PLAN IS BEST FOR YOU.  PLEASE GO TO WWW.MYPARTDUSA.COM OR CLICK ON “START YOUR COMPARISON NOW” ON THIS BLOG.  ALL YOU HAVE TO DO IS ENTER IN YOUR DRUG NAMES TO SEE YOUR COMPARISON FOR 2009.  YOUR TOP 5 PLANS WILL COME UP FOR YOU TO CHOOSE AND ENROLL IN A PLAN FOR 2009 THAT WILL SAVE YOU THE MOST MONEY.  WHEN YOU SEND ME YOUR LIST OF DRUGS IN AN EMAIL, I CANNOT DO A COMPARISON FOR YOU.  THAT IS WHY WE BUILT THE COMPARISON AND HAVE IT ONLINE SO THAT YOU COULD DO THIS YOURSELF AND MAKE YOUR OWN CHOICE.

AFTER YOU SEE YOUR COMPARISON, IF YOU HAVE FURTHER QUESTIONS, PLEASE EMAIL ME OR CALL US TO SPEAK WITH A CONSULTANT.  WE WOULD BE MORE THAN HAPPY TO ANSWER YOUR QUESTIONS.  MAKE SURE THAT YOU CLICK ON “MORE INFO” BELOW EACH DRUG PLAN TO FIND OUT THE SPECIAL BENEFITS OF EACH PLAN.

ALSO, PLEASE CHECK OUT THE CATAGORY SECTION ON THE LEFT SIDE OF THIS BLOG.  YOU CAN CLICK ON “DRUG SAVINGS TIPS” & “DONUT HOLE HELP”.  PLEASE READ THESE BLOGS BEFORE YOU MAKE A CHOICE ON A DRUG PLAN FOR 2009.  THESE TIPS ALONE COULD KEEP YOU OUT OF THE “DREADED DONUT HOLE” FOR MONTHS LONGER AND HELP YOU SAVE MORE MONEY TOO!!

I GET EMAILS EVERYDAY FROM PEOPLE WONDERING WHAT PLANS OUT THERE WILL COVER LORAZEPAM AND OTHER DRUGS THAT ARE NOT NORMALLY ON THE MEDICARE APPROVED DRUG LIST.  I HAVE DISCOVERED THAT SOME DRUG PLANS HAVE BONUS LISTS THAT THEY WILL COVER FOR YOU EVEN THOUGH MEDICARE WILL NOT, AS AN EXTRA SERVICE TO YOU.

SOME OF THESE DRUGS ARE:  HYDROCODONE, ALPRAZOLAM, PHRENILIN FORTE, DOLGIC, MEPHYTON,OXAZEPAM, TEMAZEPAM AND ZEBUTAL.

PLEASE CALL OUR TOLL FREE NUMBER TO SPEAK WITH A CONSULTANT AND LET THEM KNOW WHAT DRUG YOU NEED TO GET COVERED.  THEY WILL BE ABLE TO FIND A PLAN FOR YOU THAT WILL COVER THESE “SPECIAL DRUGS”.

TOLL FREE:  866-752-1795

DEAR READERS:

I DON’T USUALLY WRITE BLOGS ABOUT TESTIMONIALS, BUT I WANTED TO SHARE A COUPLE OF THEM THAT I GOT OVER THE WEEKEND.  IT REALLY MEANS THE WORLD TO ME WHEN I GET SOME WONDERFUL FEEDBACK AND HEARING HOW OUR ASSISTANCE HAS ACTUALLY HELPED SOMEONE.  THANK YOU SO MUCH FOR SENDING THESE IN TO ME:

DEAR KARYN,

YOU HAVE NO IDEA HOW BIG A HELP THIS WEBSITE HAS BEEN!!  I HAVE SPENT HOURS, AND HOURS, DAYS AND DAYS GOING THROUGH THE 51 OR SO PART D PLANS.  THIS SITE NARROWED IT DOWN IMMEDIATELY TO 5 PLANS AFTER I ENTERED ALL MY MEDICATIONS, ETC.  I HAVE NOW PRETTY MUCH PICKED A PLAN TO ENROLL MY MOTHER.  I WISH I WOULD HAVE KNOWN ABOUT YOU EARLIER.  IT WOULD HAVE SAVED ME SO MANY DAYS AND HOURS OF FRUSTRATION.  BUT HEY – AT LEAST NOW I CAN SEE THE LIGHT AT THE END OF THE TUNNEL.  MAY ALL GOOD FORTUNE RAIN DOWN UPON YOU!

MY BEST, CILLE DE PRIMO

DEAR MY PART D USA,

I JUST WANTED TO EXPRESS MY HEARTFELT CONGRATULATIONS TO YOU FOR HAVING SUCH WONDERFUL CONSULTANTS TO HELP US.  I USED TO WORK IN “CUSTOMER SERVICE” AND I WOULD HAVE DONE ANYTHING TO HAVE SUCH EMPLOYEES.  MY CONSULTANT EXHIBITED COMPASSION, COURTESY AND KINDNESS WHILE ALL THE TIME BEING EXTREMELY EFFICIENT AND PROFESSIONAL IN MANNER.  I WAS VERY APPREHENSIVE OF THE ANNUAL ELECTION PERIOD, AS I WAS AFRAID THAT I WOULD BE OVERWHELMED WITH WHAT I CALL “INSURANCE SPEAK”.  YOU TOOK ME THROUGH THE PROCESS AS PAINLESSLY AS POSSIBLE AND EVEN WENT TO EXTRA EFFORT TO MAKE CALCULATIONS FOR ME THAT I DIDN’T HAVE THE ABILITY TO PERFORM FOR MYSELF.  MY CONSULTANT ALLOWED ME TIME TO MAKE NOTES AND REPEATED THE FACTS AND FIGURES FOR ME.  I WILL BE RECOMMENDING YOUR SERVICE TO OTHERS!

VALERIE HOHENBERGER

MANY TIMES PEOPLE ONLY LET YOU KNOW WHEN THEY HAVE A PROBLEM OR A COMPLAINT, SO I AM VERY APPRECIATIVE AND HUMBLED WHEN I GET THESE KINDS OF TESTIMONIALS.  THANKFULLY, I GET AT LEAST 10 OR 20 A WEEK THAT I REGULARLY POST ON THE RIGHT SIDE OF THE BLOG.  YOU CAN READ ALL OF THEM BY CLICKING ON THE RED TESTIMONIALS BUTTON ON THE TOP RIGHT SIDE OF THE BLOG. 

I HOPE ALL OF YOU HAVE A WONDERFUL “THANKSGIVING WEEK” AND ENJOY THIS TIME WITH YOUR FAMILY AND FRIENDS.  I CERTAINLY HAVE SO MUCH TO BE THANKFUL FOR THIS YEAR, THANKS TO ALL OF YOU OUT THERE THAT READ MY BLOG AND RESPOND TO ME WITH QUESTIONS AND FEEDBACK.

HAPPY THANKSGIVING TO ALL,

KARYN BLAKE

I WOULD LIKE TO LET YOU KNOW THAT IF YOU GO TO WWW.MYPARTDUSA.COM

AND ENTER IN YOUR MEDICATIONS YOU CAN GET YOUR PART D DRUG PLAN COMPARISON BEGINNING TODAY!!! 

THANK YOU TO EVERYONE FOR BEING SO PATIENT AS THIS IS NOT AN EASY PROCESS.  IT TAKES OUR PROGRAMMERS LOTS OF TIME AND MANY DAYS OF CALCULATIONS TO GET THIS AVAILABLE FOR YOU.

PLEASE, IF YOU TAKE A GENERIC, YOU MUST ENTER IN THE GENERIC NAME TO GET AN ACCURATE COMPARISON.  THE TOP 5 NATIONAL PLANS THAT COVER YOUR DRUGS AT THE LOWEST CO-PAYS AND PREMIUMS WILL COME UP FOR YOU TO CHOOSE AND ENROLL EASILY ONLINE.

LET ME KNOW IF YOU HAVE ANY PROBLEMS OR QUESTIONS BY WRITING ME, KARYN BLAKE, AND I WILL GET BACK TO YOU ASAP!

Dear Readers:

It won’t be long now before the much anticipated drug plan comparison will be LIVE ONLINE for you to see on Nov. 15th.  I would like to thank you all for reading the BLOG this year and for all the emails and testimonials I get each day.   I would also like to thank you for your PATIENCE in waiting for the comparisons.  I do wish we could get this up sooner for you, but we have to wait for Medicare to get this information to us and of course we cannot have enrollments online until the 15th.

I have heard from some people that are doing their own research that talk about LOW PREMIUMS.  Yes, folks, a low premium is GREAT, but please do not make a choice based on low premiums.  Many times, the cheaper plans have a formulary that will not cover many medications.  If you get a low priced drug plan and your drugs are not covered, what good is that?  ALSO, SOME OF THE CHEAPER PREMIUM PLANS HAVE HIGHER CO-PAYS, AND THAT WILL REALLY COST YOU MUCH, MUCH MORE IN THE LONG RUN!!!

THAT IS WHY IT IS IMPERATAIVE THAT YOU GET A COMPARISON FOR 2009, TO MAKE SURE ALL YOUR DRUGS ARE COVERED AT THE LOWEST PREMIUMS AND CO-PAYS. 

Let me know if you have any questions and I’ll get back to you ASAP!!

QUESTION:

ANSWER: The Centers for Medicare state that you can change your drug plan up until Dec. 31st.  If you feel that you made a mistake about the plan you joined and want to switch, you can do so all the way till the 31st of December.  YOU ARE NOT STUCK!!!

Don’t feel as if it is written in blood.  All you need to do is send another enrollment to Medicare, and the last one standing Dec. 31st is the drug plan you will have for 2009.

QUESTION: I am losing my GROUP RETIREMENT HEALTH CARE COVERAGE ON JANUARY 1, 2009.  If I join a plan, say in November, and realize I could get better coverage with something else, can I change it?  What are my options?

ANSWER: If you are losing your coverage you are in your OPEN ENROLLMENT PERIOD.  YOU ACTUALLY HAVE UNTIL 63 DAYS AFTER JANUARY 1, 2009, TO MAKE ANY KIND OF CHANGES THAT YOU WANT TO MAKE. Let’s say you joined a MEDICARE ADVANTAGE PLAN

, and a few weeks later you decide you don’t want it, all you have to do is cancel it and send in an application to a MEDIGAP/MEDICARE SUPPLEMENT

company.  Then you can get a stand alone drug plan to go with it.  NO PROBLEM. You are still in your guaranteed issue period and no health questions will be asked.  EVEN IF YOU WAIT UNTIL AFTER JANUARY AND GO TO THE DOCTOR AND FIND OUT YOU DON’T LIKE THE COVERAGE ON YOUR MEDICARE ADVANTAGE PLAN, YOU CAN CHANGE IT TO A MEDIGAP/MEDICARE SUPPLEMENT WITHIN THAT 63 DAY PERIOD. Please don’t feel like you can’t change your decisions.  THIS WILL TAKE THE PRESSURE OFF OF YOU, SO THAT YOU HAVE TIME TO THINK, EDUCATE YOURSELF, AND CALL US TO GET PRICES AND OPTIONS.

QUESTION: I was told by my sales representative that was helping me decide on my health coverage that I HAD TO MAKE MY DECISION WITH HIM IN 48 HOURS.  COULD THIS POSSIBLY BE TRUE?

ANSWER: I HAVE NEVER HEARD OF ANYTHING MORE RIDICULOUS IN MY ENTIRE LIFE TIME.  IF A SALESPERSON TRIES TO PRESSURE YOU BY GIVING YOU ULTIMATUMS AND TIME RESTRICTIONS, THEY ARE VERY DESPERATE TO MAKE A SALE.  PLEASE DO NOT FALL FOR THAT.  YOU CAN GO ANYWHERE AND DO ANYTHING YOU WANT TO DO WITHIN THE CENTERS FOR MEDICARE’S ANNUAL ENROLLMENT PERIOD OF NOVEMBER 15TH THROUGH DECEMBER 31ST.   IF YOU ARE LOSING YOUR GROUP RETIREMENT BENEFITS YOU HAVE YOUR ENTIRE OPEN ENROLLMENT PERIOD TO CHANGE AND DECIDE ON PLANS.  THERE ARE NO TIME LIMITS SUCH AS 48 HOURS, A WEEK, ECT …..I THINK I HAVE NOW HEARD IT ALL , FOLKS!!!!!

PLEASE CONTACT ME, KARYN BLAKE, IF YOU HAVE OTHER QUESTIONS OR IF YOU ARE BEING PRESSURED BY A SALESPERSON WITH ULTIMATUMS OR ARE GIVEN INFORMATION THAT IS QUESTIONABLE.  I WILL BE HAPPY TO ADDRESS IT HERE ON THE BLOG, SO THAT EVERYONE CAN GET THE CORRECT INFORMATION.  YOU MAY BE SAVING SOMEONE ELSE FROM FALLING FOR SCAMS.