My Part D USA

DEAR READERS:

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I JUST FOUND THE MOST AWESOME LINK

TO FIND ALL THE STORES YOU CAN BUY YOUR GENERICS, NOT USING YOUR DRUG PLAN CARD.

http://www.medicare-partd.com/PartD-DrugSearchBrandGenericEquivalent.php?letter=RxSavings

YOU CAN GO TO THIS LINK AND CLICK ON THE DRUG YOU NEED TO PURCHASE.  A LIST OF STORES AND PRICING WILL COME UP FOR YOU!!  I AM THRILLED TO HAVE FOUND THIS AND HOPE THAT IT REALLY HELPS YOU SAVE MORE ON YOUR MEDICATIONS NEXT YEAR.

AS I HAVE TALKED TO YOU BEFORE DURING THE YEAR, IF YOU WILL BEGIN 2009 BY NOT PURCHASING YOUR GENERICS WITH YOUR DRUG PLAN CARD, YOU WILL STAY OUT OF THE “DREADED DONUT HOLE” LONGER NEXT YEAR.  PLEASE MAKE SURE YOU TELL THE PHARMACIST NOT TO ADD THIS TO YOUR PART D PLAN.  YOU WILL HAVE TO DOUBLE CHECK TO MAKE SURE THEY DO NOT FILE IT AGAINST YOUR PART D PLAN.  SOMETIMES THEY DO IT ANYWAY.  I HAVE WRITTEN DIRECTIONS THAT A PHARMACIST GAVE ME IN ANOTHER BLOG UNDER THE CATAGORY SECTION OF “DONUT HOLE HELP” AND “DRUG SAVINGS TIPS”.  PLEASE GO THERE ARE READ MY INSTRUCTIONS.

FIRST, YOU NEED TO GET YOUR 2009 DRUG PLAN COMPARISON AT WWW.MYPARTDUSA.COM THEN BEGIN THE NEW YEAR BY USING ALL THE TIPS I HAVE OUTLINED FOR YOU.

PLEASE WRITE ME AND LET ME KNOW IF THIS LINK HAS BEEN A HELP TO YOU!!!

I AM GETTING SO MANY CALLS AND EMAILS FROM PEOPLE WANTING TO KNOW WHEN THEY WILL FALL INTO THE DONUT HOLE AND THEY ALSO WANT TO KNOW WHAT THE YEARLY TOTALS ARE ON THE DRUG PLANS IN ORDER TO MAKE A SELECTION.

FOLKS, ALL YOU NEED TO WORRY ABOUT IS SAVING THE MOST ON YOUR MEDICATIONS UP TO THE “DREADED DONUT HOLE”.  YOU NEED TO FIND A PLAN THAT WILL SAVE YOU THE MOST ON YOUR PREMIUMS AND CO-PAYS ON THE FIRST $2,700. 

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AFTER YOU HIT THE “DREADED DONUT HOLE” YOUR DRUG PLAN IS USELESS……..UNLESS!!! UNLESS, YOU WILL MAKE IT TO THE 95% CATASTROPHIC COVERAGE.  THEN YOU COULD USE ANY DRUG PLAN AT ALL BECAUSE THE MAIN FOCUS WOULD BE TO GET TO THE 95% COVERAGE AS QUICKLY AS POSSIBLE.  THE OUT OF POCKET LIMITS ARE ALL THE SAME ON ALL THE DRUG PLANS, SO YOU JUST NEED TO GET TO THE 95% COVERAGE FAST!

THE REST OF YOU WHO WILL FALL INTO THE “DREADED DONUT HOLE” TO NEVER GET OUT FOR THE YEAR, SHOULD STOP….STOP.….STOP USING YOUR DRUG PLAN CARD.  THAT IS THE WHOLE POINT OF MY SERMONS ON BUYING YOUR DRUGS ANYWHERE YOU CAN FIND THEM CHEAPER, INCLUDING ORDERING THEM FROM OTHER SOURCES FOR A LOWER PRICE!

YOUR DRUG PLAN WOULD LOVE FOR YOU TO CONTINUE TO PURCHASE ALL YOUR MEDICATIONS WHILE YOU ARE IN THE DONUT HOLE USING YOUR DRUG PLAN CARD.  MANY TIMES THEY RAISE THE RETAIL PRICE TO MAKE UP FOR THEIR LOSSES WHILE YOU WERE PAYING THE LOWER CO-PAY AMOUNTS. 

MY ADVICE IS HERE TO HELP YOU MAXIMIZE YOUR SAVINGS ON DRUGS!!!  SOMETIMES THAT INCLUDES USING YOUR DRUG PLAN CARD, AND SOMETIMES IT DOES NOT.  WHEN YOU COMBINE THESE TWO WAYS TO SAVE MONEY, THAT IS THE BEST WAY TO GO.  USE YOUR PART D DRUG PLAN FOR THE FIRST $2,700.  DO NOT BUY YOUR GENERICS ON YOUR DRUG PLAN BEGINNING JANUARY 1, 2009.  THIS WILL LEAVE MORE MONEY IN THE POT TO PAY FOR YOUR MORE EXPENSIVE MEDICATIONS USING YOUR DRUG PLAN CARD.  THIS WILL KEEP YOU OUT OF THE DONUT HOLE LONGER NEXT YEAR. 

ONCE YOU HIT THE “DREADED DONUT HOLE” YOU CAN PUT YOUR DRUG PLAN CARD IN A DARK PLACE.  HA!!  YOU MUST BEGIN SHOPPING AROUND FOR THE LOWEST PRICES AT THIS POINT.  YOU CAN GO ONLINE TO ORDER THEM FROM MANY DIFFERENT SOURCES TO SAVE THE MOST MONEY YOU POSSIBLY CAN. 

MY WHOLE POINT OF BEING HERE IS TO HELP YOU MAKE THE MOST OF YOUR BENEFITS, NOT TRY TO GET YOU TO BE LOYAL TO YOUR DRUG PLANS, BECAUSE YOUR DRUG PLANS ARE CERTAINLY NOT LOYAL TO YOU!!!

I HOPE NOW YOU GET THE COMPLETE PICTURE….. I AM TRYING TO HELP YOU.  PLEASE LET ME KNOW IF THIS IS A BETTER EXPLAINATION OF MAXIMIZING YOUR DRUG PLAN AND HELPING YOU UNDERSTAND THAT THE RETAIL PRICES DURING THE DONUT HOLE ARE IRRELIVANT IN CHOOSING THE BEST PLAN FOR YOU IN 2009.

QUESTION: I HAVE BEEN SEARCHING ONLINE TO FIND THE BEST PLAN FOR ME AND MY WIFE FOR 2009, WHICH ONE DO YOU RECOMMEND?

ANSWER: THE MOST IMPORTANT THING TO REMEMBER IS TO GET A DRUG PLAN COMPARISON BASED ON EACH INDIVIDUAL PERSONS MEDICATIONS. THE PLAN THAT IS BEST FOR YOU MAY NOT BE THE BEST ONE FOR YOUR WIFE.  NEVER JOIN A PLAN WITH ANYONE UNLESS YOU FIRST FIND OUT IF THAT PLAN WILL COVER EVERY MEDICATION YOU TAKE.  THEN, LOOK AT THE PREMIUMS AND CO-PAYS……NEVER CHOOSE A DRUG PLAN BASED ONLY ON THE PREMIUM. MANY CHEAPER PREMIUM PLANS DO NOT HAVE A COMPREHENSIVE FORMULARY AND MAY NOT COVER THAT MANY MEDICATIONS.  YOU MUST CHOOSE A PLAN BASED ON THE CO-PAY AMOUNTS FOR YOUR DRUGS.  THAT IS WHERE THE REAL SAVINGS LIES.  YOU COULD GET A PREMIUM THAT IS ONLY $25 A MONTH BUT YOUR CO-PAYS ARE MUCH HIGHER SO THAT ANY SAVINGS YOU SEE ON THE PREMIUM WILL BE EATEN BACK UP BY THE HIGH PRICES ON THE CO-PAYS.  ALSO, YOU NEED TO CHECK THEIR MAIL ORDER PRICES.  SOME PLANS HAVE VERY GOOD DISCOUNTS FOR YOU ON MAIL ORDER.

YOU CAN USE OUR COMPARISON AT WWW.MYPARTDUSA.COM OR YOU CAN GO TO WWW.MEDICARE.GOV AND GET THE INFO YOU NEED TO MAKE THE BEST DECISION.

QUESTION: I HAVE BEEN TRYING TO FIND OUT WHEN I WILL HIT THE DONUT HOLE IN 2009.  HOW DOES THIS AFFECT WHICH DRUG PLAN I SELECT?

ANSWER: NO MATTER HOW HARD YOU TRY YOU COULD ONLY COME UP WITH AN APPROXIMATE TIME YOU WOULD FALL INTO THE “DREADED DONUT HOLE” AT BEST, BUT PLEASE TAKE INTO CONSIDERATION THAT IF YOU FALL INTO THE “DREADED DONUT HOLE” AND KNOW YOU WILL NOT GET TO THE 95% CATASTROPHIC COVERAGE, YOU NEED TO STOP USING YOUR DRUG PLAN THE MINUTE YOU FALL INTO THE “DREADED DONUT HOLE”. AT THIS POINT, YOU NEED TO SHOP ANYWHERE YOU CAN FIND YOUR DRUGS CHEAPER OR ORDER THEM FROM SOMEPLACE THAT HAS A LOWER PRICE.  MANY TIMES THE PRICES YOU ARE CHARGED DURING THE “DREADED DONUT HOLE” WILL BE HIGHER THAN IF YOU DID NOT USE YOUR DRUG PLAN.  SO, PLEASE, SHOP AROUND!!!

QUESTION: I’VE HEARD ABOUT BUYING GENERICS OFF THE DRUG PLAN, WHY SHOULD I DO THAT WHEN I CAN GET FREE GENERICS ON MY DRUG PLAN?

ANSWER: IF YOU KNOW YOU WILL NOT BE USING THE 95% CATASTROPHIC COVERAGE FOR THE YEAR…BEGINNING JANUARY 1, 2009 STOP BUYING YOUR GENERICS ON YOUR DRUG PLAN . YOU CAN GO TO WALMART OR OTHER LARGE RETAILERS AND BUY YOUR DRUGS NOT USING YOUR DRUG CARD. THIS WILL KEEP YOU OUT OF THE “DREADED DONUT HOLE” LONGER IN 2009.  EVEN THOUGH YOU MAY BE GETTING YOUR GENERICS FREE OR AT A LOW PRICE WITH YOUR CO-PAY, YOUR DRUG PLAN DINGS YOU A MUCH HIGHER AMOUNT THAT GOES TOWARD YOUR FALLING INTO THE “DREADED DONUT HOLE”.  YOUR DRUG PLAN MAY ACTUALLY BE CHARGING YOU $20, $30, OR $40 FOR YOUR GENERIC.

THIS ONE TIP CAN KEEP YOU OUT OF THE DONUT HOLE LONGER BY KEEPING MORE MONEY IN THE POT TO PAY FOR YOUR EXPENSIVE MEDICATIONS ON TIER 2 AND TIER 3.

QUESTION:

WHAT DO I NEED TO BE MOST CONCERNED WITH IN CHOOSING A DRUG PLAN?

ANSWER: THE THING YOU WANT TO BE MOST CONCERNED WITH IS SAVING THE MOST MONEY POSSIBLE ON YOUR PREMIUM AND CO-PAYS UP UNTIL YOU REACH THE “DREADED DONUT HOLE” AT $2,700. THEN IF YOU WILL REACH THE CATASTROPHIC COVERAGE, GET THROUGH THE DONUT HOLE AS QUICKLY AS POSSIBLE, SO YOU WILL BEGIN TO GET THE 95% COVERAGE ASAP!!!

IF YOU WILL NOT EVER GET TO THE CATASTROPHIC COVERGE, YOU REALLY DON’T NEED TO WORRY ABOUT THE “DREADED DONUT HOLE” EXCEPT TO KNOW THAT YOU NEED TO STOP USING YOUR DRUG CARD TO MAKE PURCHASES.  REALLY, FOLKS, GO ANYWHERE YOU CAN FIND YOUR MEDS AT A LOWER PRICE.

YOU MUST CONTINUE TO PAY THE PREMIUM ON YOUR DRUG PLAN OR YOU WILL GET THE 1% PER MONTH PENALTY ADDED TO YOUR PREMIUM FOR LIFE, BUT THERE IS NO NEED TO PAY MORE FOR YOUR MEDICATIONS THAN IS ABSOLUTELY NECESSARY!!!

PLEASE READ MY OTHER BLOGS ON HOW TO MAKE CERTAIN YOUR $4 GENERICS PURCHASED OFF YOUR DRUG PLAN DO NOT GET ADDED TO YOUR PLAN. I TALKED TO A LOCAL PHARMACIST WHO TOLD ME HOW TO DO THIS.  MANY TIMES PEOPLE WILL TELL THE PHARMACY NOT TO ADD THIS ON THEIR PLAN, BUT IT GETS ADDED TOWARD THEIR DONUT HOLE ANYWAY!!  YOU MUST FOLLOW MY DIRECTIONS!!!

MY PRAYER IS THAT ONE DAY THE NEXT ADMINISTRATION WILL SEE THAT THE PART D DRUG PLANS AND THE MEDICARE ADVANTAGE PLANS WERE NOT WRITTEN WITH THE MEDICARE BENEFICIARIES BEST INTERESTS IN MIND, BUT THOSE OF THE INSURANCE COMPANIES.

PLEASE WRITE TO ME IF YOU HAVE ADDITIONAL QUESTIONS AND I WILL TRY TO ANSWER AS MANY AS POSSIBLE.  I WILL ALSO ANSWER THEM IN THIS BLOG.  DUE TO THE NUMBERS OF EMAIL I GET EACH DAY I AM SORRY, BUT I CANNOT RESPOND TO EVERY ONE OF THEM DIRECTLY TO YOU.  BUT PLEASE KNOW THAT I CARE ABOUT EVERY PROBLEM AND CONCERN I RECEIVE AND WILL TRY MY VERY BEST TO FIND AN ANSWER FOR YOU.

THANKS TO EVERYONE OF MY READERS!!  KARYN

November 15th through December 31st is coming up fast!  We are looking forward to helping you get your FREE comparisons of Part D drug plans for 2009.

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I know there is much confusion about drug plans and how they work, especially the “dreaded donut hole”. download house of 9 online   It is funny because I am seeing that term “dreaded donut hole” other places.  I feel like I made up a new word, but that is the only way I know how to describe it.  When you are used to paying your co-pays and all of a sudden get hit with retail prices, it can wreck your budget.  The most shameful thing is that many of our Senior Citizens and people on disability cannot continue to purchase their meds after they fall into the “dreaded donut hole”, and stop taking their life sustaining medications.  I do hope that the next administration does something to help ease this problem.  If you fall into the donut hole, the first thing you should check is if you qualify for drug assistance programs.  Some of you will, but most of you will have too high an income for this help.  We have the limits listed on www.mypartdusa.com Most people do NOT fall into the donut hole, some fall in and never get out until the next year begins, and others that have serious health issues may reach the donut hole within a couple of months into the new year and get to the 95% catastrophic coverage.  No matter what catagory you fall into, there are ways to make the most of your drug plans and stay one step ahead of the drug plan companies.

I heard an analogy on Medicare Part D plans that went something like this:

A group of 10 geniuses locked themselves in a room to design a perfect racehorse.  After a few hours they emerged NOT with a racehorse, but a perfect CAMEL!  Everyone was very critical and disappointed at first….but came to realize that a camel can be a very “useful” animal, once you over the humps!

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I don’t know what group of geniuses from these INSURANCE COMPANIES AND DRUG COMPANIES came up with these drug plans, but you can certainly tell they were more concerned with making money than helping people with Medicare benefits.  I try to help you get over the humps with all the drug savings tips and donut hole advice to help you MAXIMIZE what we have now for drug plans.  Please let me know if you have questions, also let me know if you have suggestions to help others.  We are all in this together!

I HAVE HEARD FROM MANY OF YOU THAT HAVE TROUBLE GETTING YOUR PHARMACY NOT TO APPLY YOUR GENERICS FOR $4 TOWARD YOUR FALLING INTO THE “DREADED DONUT HOLE.”

I CALLED MY LOCAL WALMART PHARMACIST AND ASKED HIM EXACTLY HOW TO MAKE SURE THAT YOUR PURCHASE DOES NOT COUNT ON YOUR PART D DRUG PLAN:

1.  WHEN YOU CALL OR BRING IN YOUR PRESCRIPTIONS FIRST TIME OR FOR A REFILL, TELL THEM YOU ARE PAYING CASH AND NOT TO FILE THIS PURCHASE TOWARD YOUR INSURANCE PART D DRUG PLAN.

2.  WHEN YOU PICK UP YOUR PRESCRIPTION, THERE WILL BE A TICKET ON IT.  UNDER YOUR PRESCRIPTION NUMBER YOU WILL SEE THE NAME OF YOUR DRUG PLAN IF THEY HAVE FILED IT ON YOUR DRUG PLAN.  IF THIS SPACE IS BLANK OR SAYS CASH, THEN YOU WILL KNOW THEY CARRIED OUT YOUR DIRECTIONS.  IF YOU SEE YOUR DRUG PLAN ABREVIATED NAME UNDER YOUR PRESCRIPTION NUMBER, YOU MUST TELL THEM TO CANCEL THAT TRANSACTION AND SHOW YOU WHERE THEY HAVE TAKEN IT OFF YOUR DRUG PLAN.  ONCE YOU MAKE IT CLEAR THAT YOU ARE SAVVY TO HOW THEY OPERATE THEY MUST NOT GO AGAINST YOUR INSTRUCTIONS.

PLEASE DOUBLE CHECK THIS WHEN YOU BUY YOUR PRESCRIPTIONS OFF YOUR DRUG PLANS, EVEN IF YOU TELL THEM NOT TO FILE IT AGAINST YOUR PART D PLAN, MAKE SURE YOU CHECK YOUR TICKET.

I hope this helps you in not falling into the “dreaded donut hole” so quickly in 2009!  Please let me know how it goes for you and what problems you run into if any.  Everyone can learn from your experiences!

Remember, that if you are going to get to the 95% coverage, YOU DO NOT NEED TO BUY YOUR GENERICS OFF YOUR DRUG PLAN.  YOU NEED TO GET TO THE 95% COVERAGE AS SOON AS POSSIBLE!

Many of you have been writing in to get your comparison for 2009.  Unfortunately the Centers for Medicare do NOT send us the data to build our comparison until around November 1.  They also tell us that we cannot have comparisons or enrollments available to you until November 15th.  That is the beginning of the AEP or Annual Election Period. 

I wish we could do this for you sooner, but our hands are tied. 

I do know that you will be very pleased to see your comparisons on Nov. 15th and since you cannot enroll any earlier than that, you can wait to make your final selections. 

The comparisons have your top 5 plans for savings on your co-pays and premiums listed along side each of your medications.  It is a very easy process and the information can help you greatly on choosing the drug plan that will cover every drug you take at the lowest prices.

WE LOOK FORWARD TO SERVING YOU ON NOVEMBER 15TH, 2009!!!

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Dear Readers ,

A few weeks ago we sent out over 10,000 worksheets to people who have enrolled with us last year.  Every year we do this so you have some warning about the changes to your drug plans coming up January 1, 2009.

It never fails that when some people go to the pharmacy for the 1st time after the New Year, they call us crying about their co-pays going up and why we didn’t tell them.  I talk about this all year on the BLOG that ALL THE DRUG PLANS CHANGE EVERY YEAR.  THE DRUG PLAN YOU HAD IN 2008 MAY NOT COVER YOUR DRUGS IN 2009 OR THEY COULD HAVE GONE UP SIGNIFICANTLY IN CO-PAYS.

We cannot give 10,000 people a personal phone call. Please remember that you can see your comparison LIVE ONLINE BEGINNING NOV. 15TH, 2008 AND ENROLL FOR YOUR PLAN FOR 2009 at www.MyPartDusa.com.

When you see your comparisons it may look to you like the plan you have now is cheaper so why change it!!!?  PLEASE KEEP IN MIND YOU HAVE THE PREVIOUS YEARS PRICES AND THE PRICES YOU ARE LOOKING AT ON YOUR COMPUTER SCREEN ARE THE NEW ONES YOU WILL BE PAYING AT THE PHARMACY COME JANUARY 1, 2009 .

We do know that Humana and Community Care have gone up quite a bit, so when you get your comparison if you are on these plans, they may not come up for you in your top 5 choices for 2009.

YOU ALSO SHOULD HAVE RECEIVED YOUR LETTER OF NOTIFICATION FROM YOUR DRUG PLAN COMPANY.  THIS WILL ALSO BE A HEADS-UP FOR YOU TO KNOW THE CHANGES ON YOUR DRUG PLAN FOR 2009.

As always, I thank you for reading the BLOG and writing me with all your comments and questions.  I wanted to address this especially for those of you who have written recently with questions about why you should get your comparison.  As I have always said, YOU CANNOT BE LOYAL TO YOUR DRUG PLAN.  YOUR DRUG PLAN IS NOT LOYAL TO YOU.

Also, I still get questions such as: “I do not take any drugs or I only take one or two medications, why should I get a drug plan, I don’t even need a drug plan?” Then come June, I get a phone call saying that they got diagnosed with something and really need help.  This breaks my heart at that point, because I have to tell them I cannot do anything to help them because you can only enroll Nov. 15th through Dec. 31st.  Folks, you don’t wait until after you wreck your car to get car insurance or you don’t wait till the house burns down to get homeowners.  It is the same situation with your drug plan.  Please don’t let this happen to you or a family member.

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QUESTION:  I am new to Medicare, how do I maximize my Part D drug plan benefits and get the most savings on my medications?

ANSWER:  I am going to walk you through step-by-step of how to get the most savings out of your drug plan. 

1.  Before you enroll on a Part D drug plan, the very first thing you need to get is a comparison of the Part D plans, based on your individual medications, so that you know what plans cover your drugs and which plan will save you the most in co-pays and premiums.  We can help you with your comparison anytime of the year, if you are just getting on Medicare or have lost your coverage through your retirement program.  After that, you will need to get a comparison once every year during the AEP, or Annual Enrollment Period of November 15 thru December 31st.  This is the time of year that you can change your drug plan, making sure that you continue to have your drugs covered at the lowest prices.  All the drug plans change the drugs they cover on their formulary and the prices they will charge you every year!  Don’t make the mistake of just “keeping what you have”.  Your loyalty will cost you!  YOU NEED TO FIND THE PLAN THAT WILL SAVE YOU THE MOST IN CO-PAY’S AND PREMIUMS ON THE FIRST 2,700 DOLLARS OF YOUR PLANS BENEFIT BEFORE THE “DREADED DONUT HOLE” IN 2009.

2.  January 1st of every year your Part D drug plan benefits start over.  You will have to purchase $2,700 worth of medications before you fall into the “dreaded donut hole” in 2009.  This is not the co-pay costs, but the RETAIL COSTS are used to add up your purchases.  To maximize your benefits you can begin by NOT purchasing as many of your generic drug as possible using your drug plan.  WHY?  Wal-Mart and some other large retailers have a list of over 300 generic drugs that they sell for $4 for a 30-day supply.  If you email me, I will send you this list.  If you don’t like using Wal-Mart for some reason, many chain drug stores are doing this as well.  Check with them and buy them without using your drug plan, don’t give them your drug plan card and tell the pharmacy this is not to be added to your drug plan coverage.

The reason for this is that every prescription you purchase goes toward the “dreaded donut hole”.  If you purchase your generics off your drug plan, you will have more money left in the pot to pay for your expensive medications, thereby keeping you OUT of the “dreaded donut hole” longer!  Also, when your doctor prescribes a NEW drug for you, tell him/her then and there that you need to use the older tried and true meds, instead of the new designer drugs that are so expensive, IF your doctor feels like you will be able to get the same results.  For those of you that love Sally Field (I DO) and the other celebrities that sell designer drugs and you want to help the drug companies pay their huge salaries for their endorsement (I DON’T), please ignore this advice.  HA! Then tell him/her you need to take samples first, to make sure this drug will work for you.  You would not believe how many prescriptions people get each year that go toward their “dreaded donut hole” and they end up NOT EVEN TAKING THEM, BECAUSE THEY DON’T LIKE THE SIDE-EFFECTS, OR THEY SIMPLY DON’T WORK FOR THEM.  This will keep you out of the donut hole longer as well!

3.  The only folks who need to be concerned about what happens when they hit the “dreaded donut hole” are the folks who know they WILL get to the other side and begin the catastrophic coverage of 95%.  Most people don’t fall into the donut hole.  The rest fall in and never reach the other side.  If you fall into either of those categories, you should STOP USING YOUR DRUG PLAN when you reach the donut hole.  You MUST continue to pay your monthly premiums so you won’t have a penalty, but THERE IS NO NEED TO PAY MORE FOR YOUR MEDICATIONS THAN YOU ABSOLUTELY HAVE TO PAY!!  You will need to do a little research at this point and call your pharmacist and other drug stores to see how much your medications will cost using your drug card, and how much they would cost without using it.  Many of the drug plans charge you a higher retail price while you are in the “dreaded donut hole” to make up for loses they incurred while you were on the much cheaper co-pays amounts.  YOU CAN BUY OR ORDER YOUR MEDICATIONS ANYWHERE YOU CAN FIND THEM CHEAPER!!  You can’t afford to be loyal to your drug plan as they are not loyal to you!

4.  If you have serious on-going health problems and know that you take so many medications that you will ACTUALLY fall into the donut hole and make it across to the 95% catastrophic coverage, YOU MUST CONTINUE TO USE YOUR PART D DRUG PLAN CARD SO THAT ALL THE MEDICATIONS YOU PURCHASE GO TOWARD YOUR GETTING OUT OF THE DONUT HOLE. 

Now, please read my other drug savings tips and donut hole advice by clicking on them in the category section on the left side of this page!  I have much more to tell you!

I hope this answered your question, if not, please write to me, Karyn Blake, and I will find an answer for you ASAP.