How many of you feel confused about your Medicare benefits?  Well, join the crowd!!  I get so many emails everyday from people just like you who read this blog and wonder…am I getting the most for the money I spend on my Medicare coverage?

March 31st is the last day you can change from one Medicare Advantage Plan to another Medicare Advantage Plan.  After that you are stuck until the Annual Election Period which begins November 15 and ends December 31st of every year.

RED ALERT: If you joined a Medicare Advantage Plan within the past 12 months and do NOT like it, or you feel it does not meet your needs or that you were mislead by a salesperson or company, you can get OFF of the Medicare Advantage Plan within the first 12 months!!!  If you keep it longer…you may not be able to get on a Medicare Supplement because of the underwriting or health questions.   Call us to check on your options!

ORANGE ALERT:  If you are NEW TO MEDICARE and you joined a Medicare Advantage Plan and don’t like it, you are still within your open enrollment period and cannot be turned down because of health issues.  You can get back on Original Medicare which pays 80% of all doctor and hospital costs and take out a Medicare Supplement that pays the other 20%.  With a Medicare Supplement your only expense is your monthly premium.  There are NO co-pays, NO NETWORKS of doctors you must use.  You can go to any doctor or hospital of your choice! If you are NEW TO MEDICARE, PLEASE, PLEASE start out with a Medicare Supplement and Stand Alone Part D Plan.  We can help you!

GREEN ALERT: If you are losing your Retirement Plan Group Coverage and need to know what Medicare Supplement plans have the lowest premium, we also do a comparison of Medicare Supplement plans along with a comparison of the more than 50 different drug plans in your state!  You do NOT want to join a Medicare Advantage Plan!  All the Medicare Supplement plans include the same benefits…a Plan F is a Plan F, no matter what insurance company you buy it from.  The ONLY difference is the price they will charge you.  Why pay more?

The ugly truth of the matter is many Insurance Salespeople will try their best to get you to join a Medicare Advantage Plan because they get paid double the commission to do so!  Don’t fall for it!

So, that is the what’s up about the March Madness of Medicare!  Call our toll free number or go to the form on this page or go to www.MyPartDusa.com and fill out the form to get assistance.

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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.

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Dear Readers,

I am still getting many questions about this subject.  I called Medicare myself and was told that there is NO law that requires you to file a claim on any kind of insurance plan.   If you have a fender bender and decide to pay for the repairs yourself, is that against the law?  NO!

Part D is insurance for your drugs.  It is totally up to you whether or not you want to file a claim for any purchase of any medications.

If a pharmacy tells you they have to file a claim:

1. They are telling a lie in order to receive a higher re-embursement from the government.

2. Report them to Medicare at 800-633-4227 and issue a formal complaint against them.

Some people find it easier to go to one drug store for their generics, and another for their brands.  At the generic store, do not give them your Part D Plan card or your Social Security number.  All they need to process your prescription is your date of birth, phone number and address.

Then make them show you that they did not file a claim.  It should be located on your prescription receipt if it says CASH, or the name or ID number of your Part D Plan.  Also, check your statement from your drug plan like it was your bank statement monthly and make sure that no generics were charged.

Please read the other blogs under “drug savings tips” on the left side under categories to learn more!

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QUESTION: I entered in my drugs on your comparison and only got the monthly totals.  When I go to other websites I get different results because of the yearly totals.  Why is this and how can I understand the best plan for myself?

ANSWER: If you read the blog all year and go back through the “category section” on the left side of this page and read “drug savings tips” you will understand how you can maximize your savings on Part D drug plans.

The only thing you need to worry about is saving the most on the first 2, 830 worth of drugs your purchase in 2010.  You need to find a plan that:  1. Covers every one of your medications. 2. Saves  you the most in co-pays.

The only people who need to worry about yearly totals are those that get to the 95% coverage and you need to blow through your drug plan as quickly as possible and get to the 95%.

All other folks need to STOP using your drug plan when you get to the “dreaded donut hole” because drug plans charge more during this time to make up for when you were paying co-pays.  If you read my other blogs about SHOPPING AROUND, you will understand that you can save much, much more by not using your drug plan anymore when you reach the donut hole.  Go online, go to Wal-Mart, Sams, CVS and every store in your area to get the cheapest price…not the one your drug plan charges you.

If you begin 2010 by not buying your generics using your drug plan and getting them for $4 you will not fall into the donut hole as quickly, because as I have said too many times, even though your drug plan’s co-pays are small for generics they ding you 30, 40, up to $60 dollars toward the donut hole.

By following just these two pieces of advice you will maximize your Part D benefits.  That is why your yearly total is useless information, unless you intend on doing exactly what your insurance company wants you to do!  Get it?  Got it?  GREAT!!!!

This just in from a caring reader:

Cheech & Chong’s Next Movie trailer Hi, Karyn.  It is J. Adams in Kentucky again….just read your article on “YOU HAD BETTER SHOP AROUND”.  You are absolutely correct in that generics do not have to be charged against your $2,830 you get in drug benefits before you hit the “dreaded donut hole” in 2010.  In fact, even though most pharmacies will ask for your medicare number, you must DECLINE this and end any possibility the pharmacy can charge your Part D plan.  I use Krogers and get a 30 day supply of generics for $4 each.  In the beginning they asked for my Medicare number and Social Security Number.  I SIMPLY DECLINED AND TOLD THEM I’D BE PAYING FOR MY GENERICS MYSELF. No problem from them after that!  I also told them they had no need for that information.

Please feel free to pass this tip onto your other people with these questions  Please tell your people there are other ways they can verify who you are.  Kroger uses my date of birth and the last 4 digits of my telephone number.

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THANK YOU SO MUCH FOR SHARING THAT GREAT TIP, J. in Kentucky

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I am not yet on Medicare, but every time I go into a pharmacy I check to see what kind of programs they have for Medicare beneficiaries.  Yesterday at CVS I saw a plan where they have over 400 generic drugs for $9.99 for a 90 day supply.  I know that Walgreens, Wal-Mart, Costco, Sam’s Club and many other places have these plans as well. You may ask, “but why should I do this when my co-pay is cheaper than that?”  Even though your co-pay is $4, your drug plan dings you $20, $30 or $40 dollars or more because it is the RETAIL PRICES that count toward your donut hole amount of $2,700.  This pushes you closer and closer into the donut hole.  DON’T BUY YOUR GENERICS ON YOUR DRUG PLAN!  SAVE YOUR $2,700 FOR BRANDS YOU MUST HAVE THAT ARE MORE EXPENSIVE.

I also asked the pharmacist if they made claims on your Part D drug plans when you had this program and he told me absolutely NOT!  The reason I asked them that is I have recieved many emails from readers telling me their pharmacist said it was against the law if they didn’t file a claim.  This is a downright LIE! Saturday Morning full movie They just get a higher re-embursement if they file a claim.  If your pharmacist tells you this, give him/her my number and I’ll report them to Medicare or you can do so yourself at 800-633-4227.

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Many of you are now in the “DREADED DONUT HOLE”.  Please know that if you begin 2010 by using these generic programs instead of using your Part D plan on your generics you will stay OUT знкомства для секса of the donut hole months longer next year! сука блядь фото

ONE MORE THING: Read your monthly drug plan statements like it was your bank statement.  See what claims have been charged to you to push you further and further towards the donut hole.  Many people report duplicate claims.

Kids film YOU MUST SHOP AROUND! Even on my own meds, I found huge differences in prices from one pharmacy to the next on the same exact medication.  One medications was $127.00 at one pharmacy and $67.00 at another pharmacy.  Don’t just pay them, tell them you can get it cheaper down the street.  Shop around and find the best price either locally or online.  When you are in the DREADED DONUT HOLE, YOU CAN’T BE FAITHFUL AND USE YOUR PART D PLAN, YOU MUST GET YOUR MEDICATIONS ANYWHERE YOU CAN FIND THEM CHEAPER NOT USING YOUR DRUG PLAN!  YOUR PART D DRUG PLAN IS NOT FAITHFUL TO YOU!

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If you know you will get to the 95% coverage, then you must use your drug plan through the donut hole….but if you fall in, never to get out for the year….just act like you don’t even have a Drug Plan, except you must continue to pay the premiums or be penalized. Kill Bill: Vol. 2 dvd

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I know I sound like a broken record, but I’m still getting so much email on this subject!  Hope this helps.

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I get asked many times everyday how we can give you a free drug plan comparison.  The Centers for Medicare sends us all the new drug plans and prices for every state each year.  Using a list of your medications that you supply for us, we do a comparison for you to find the drug plan that will cover EVERY drug you take at the lowest co-pays and premiums.  WE DO NOT GET PAID FOR DOING THIS AND YOUR ENROLLMENT GOES DIRECTLY TO MEDICARE.  We are not selling drug plans or giving you biased advice.  We simply tell you the best plan for each individual based on your medications!

1. One Way to Maximize your drug savings is to ask your Doctor to give you higher dosages on your pills. Let’s say you take 50 mgs. of Tramadol twice a day, ask your Doctor to give you 100 mg. pills that you can break in half.  You will get twice the medicine and the price remains basically the same.  CAUTION: Please be careful when cutting your pills in half to make sure you continue to get the correct dosage.  Ask your doctor for instructions.

2. Always try to take generics over brands.  HOT TIP: At least once a year go over all your prescriptions with your Doctor to make sure a generic has not been released on the medication you are taking.  This could save you hundreds of dollars.

3. IT IS NOT ILLEGAL TO BUY YOUR GENERICS OFF YOUR DRUG PLAN.  YOU WILL NOT FALL INTO THE “DONUT HOLE” AS QUICKLY IF YOU FOLLOW THIS ADVICE. Wal-Mart and some other large retailers and chain pharmacies are selling generics now for only $4.  You can buy your generics from them WITHOUT USING YOUR DRUG PLAN. This will keep you OUT of the “dreaded donut hole” longer each year.  Every prescription you purchase using your drug card add up to reaching the “dreaded donut hole” and this savings tip will leave  more in the pot to pay for your expensive meds.  Click on “drug savings tips” & “donut hole help” on the left hand side of this blog under categories.  Your pharmacy may a tell you it is illegal to NOT file a claim.  The reason they say this is because they get a higher reimbursement when you use your drug plan. Tell them YOU KNOW YOUR RIGHTS! You can learn the process to make sure the pharmacy does NOT file an unwanted claim on your drug plan insurance.

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4. MEDICARE REFORM: DO YOU AGREE WITH OUR TOP 10 LIST OF THINGS WRONG WITH MEDICARE? COULD YOU COME UP WITH YOUR OWN LIST?  I’LL BET YOU COULD!  PLEASE READ OUR NEW WEBSITE AND SEND IT TO YOUR GOVERNMENT OFFICIALS!  CHANGES NEED TO BE MADE TO OUR MEDICARE SYSTEM.  GO TO:  www.Top10ThingsWrongWithMedicare.com or scroll down to that blog now.

5. When your doctor prescribes a new medication tell him you need to use SAMPLES first, or have him write a prescription for just a few days use.  You would not believe how many people get meds that they can’t take because they don’t like the side effects or it just doesn’t work for them.  When you find out if you are going to actually use a medication, THEN purchase it using your drug card. This savings using this tip alone could keep you OUT of the “dreaded donut hole” months longer, decreasing your costs.

7. In addition to asking your Doctor for free samples; tell your doctor then and there that you need to take the older tried and true medications instead of the new designer drugs that are so expensive!  We all love Sally Field, but I doubt you want to help the drug companies pay for her high salary endorsement contract.  HA!  Who pays for all the expensive advertising we all see every night on TV?  YOU, the consumer!  Tell your doctor you want to try the least expensive drugs first and see if they work for you!

6. Consider the mail order option on your drug plan. This would be good to use on your Tier 2 & Tier 3 meds. NOT GENERICS! On some plans you can order a 90 day supply of your meds for a considerable discount.  Call the customer help line for the plan you joined and ask them how to use the mail order option.

7. If you fall into the “donut hole” and KNOW that you will never reach the other side to 95% catastrophic coverage, you can order or shop for your drugs anywhere without using your drug card.  You must still continue to pay your premiums so that you will not incur the 1% per month penalty for not having a drug plan, but there is NO NEED to pay more for your meds than you absolutely must! You will need to do a little research at this point at several pharmacies. Ask them the price of your drugs using your drug card and what they cost without using it.  Some drug plans inflate prices during the “dreaded donut hole” to make up for loses incurred while you were paying the much lower co-pays.  You can also search online to order your medications! Remember you cannot be loyal to your drug plan because your drug plan is not loyal to you!

8.  If you have problems of any kind with your drug plan during the year and need help to get results, contact the Medicare Rights Center.  They have free lawyers and counselors there to assist you. www.MedicareRights.org

9. Begin every year by READING THE BLOG! As I learn more savings tips during the year I post them on the blog.  I also answer questions that are sent in about Medicare coverage and benefits.  My Part D USA’s #1 goal is to keep you informed about all aspects of Medicare issues.  It may be hard to believe in today’s dog eat dog marketplace, but we are here to HELP THE PEOPLE, not insurance companies!

10.  We always recommend that those of you who can afford the premiums on a Traditional Medicare Supplement stay on them instead of switching or choosing a Medicare Advantage Plan.  You may be approached by a salesperson telling you that MAPD plans are better than original Medicare, but they do not compare against original Medicare combined with a Medicare Supplement and a stand alone Part D drug plan.  The reason for this is the commissions paid on MAPD’s are at least double than if they recommended a Medicare Supplement.  There are some folks that need a MAPD because of being on disability or have health issues and cannot get enrolled on anything else.  Please read my blogs on the differences between MAPD’s and Medicare Supplements!  Educate yourself before you enroll on health care plans.

WELCOME TO 2009!!

I hope you all have had a great beginning to 2009 and enjoyed your Holiday Seasons with family and friends…..NOW it is time to get back to business as usual.  Over the Holidays I got lots of emails questioning me about if it was legal to buy your GENERIC DRUGS OFF YOUR PART D DRUG PLAN. 

YES, YES, YES!!

I also got emails and phone calls telling me that some PHARMACIES were telling them that if they do not file all prescriptions on their Part D Plan they get a penalty from the Centers For Medicare.

NO, NO, NO!!!

FOLKS, TODAY I TALKED WITH MR. TARTELLA, Senior Compliance Officer, WITH THE CENTERS FOR MEDICARE.  HE TOLD ME THAT EVERY SENIOR OR PERSON ON MEDICARE PART D PLANS CAN MAKE THE CHOICE TO FILE IT WITH THEIR PART D PLAN OR TO PAY CASH AND REQUEST IT NOT BE FILED WITH THEIR INSURANCE.  THERE IS NO PENALTY TO THE PHARMACY INVOLVED.  HIS WORDS TO ME WERE…..HOW WOULD WE FIND OUT ABOUT IT ANYWAY? 

The reason the pharmacy tells you this is that they get paid more if they file it with your Part D Plan.  IF A PHAMACIST TELLS YOU THIS, TELL HIM THAT YOU KNOW BETTER AND THAT YOU WILL TAKE YOUR BUSINESS SOMEPLACE ELSE.  NO ONE CAN FORCE YOU TO FILE INSURANCE CLAIMS.

If you begin the year by purchasing all your GENERICS OFF YOUR PART D DRUG PLAN

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, you will NOT FALL INTO THE “DREADED DONUT HOLE” AS QUICKLY IN 2009.  PLEASE   READ MY OTHER BLOGS ABOUT HOW TO MAKE SURE YOUR PHARMACIST IS NOT FILING YOUR GENERICS ON YOUR DRUG PLAN.  Click on “DONUT HOLE HELP” catagory on the left side of this blog.  Also, I have a link that will let you know what retailer will sell you your GENERICS at the lowest price, some even sell them for $4 for a 30 day supply.

Please keep me posted as to how this goes for you!!!  You can even tell your pharmacist to read this BLOG.  My goal is to help you save the most money as possible this year on your meds.  Keep this website in your “favorites”, so you can check back to read the latest info.