SENIORS WATCH OUT FOR SCAMS Archive

BEWARE: DO NOT CHANGE FROM A MEDIGAP SUPPLEMENT TO A MEDICARE ADVANTAGE PLAN, IF YOU DO WE CAN HELP YOU GET BACK ON YOUR SUPPLEMENT! IF YOU TRY THEM, YOU WILL FIND OUT YOU WON’T LIKE THEM!

Right now we are in the Annual Election Period for Part D drug plans ONLY!!!! We can help you with your Medicare Supplement any time of the year if the cost has gone up….HOWEVER, don’t get FOOLED by all the Medicare Advantage Plan commercials on TV.  This is inferior coverage. It may cost less in some cases…but there are hidden costs they never tell you about.  You cannot choose your doctors and your doctor can STOP taking it at any time.  You have no accountability from Medicare, because you are NOT using your Medicare benefits. You also give up the right to choose the Part D plan that is best for you.  These companies lie in the ads.  Plain and simple.  We never recommend a Medicare Advantage Plan unless you are in such bad shape financially you absolutely cannot afford a premium or you are on disability and have no other choice!!!!

As always, if you are turning 65, we will guide you in the best direction for both your Medicare Supplement and Part D drug plan, by giving you comparisons and showing you what you need to know so that you can make the best decision for your healthcare!

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 30, 2011 in Medicare Advantage Plans, SENIORS WATCH OUT FOR SCAMS.

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9.7 Million Medicare Beneficiaries Rely on Medigap/Medicare Supplements – Make Sure the Government Does NOT Take Them Away!

www.protectmedigap.org

Congress is debating proposals to reduce the national debt and AHIP is urging lawmakers to protect the Medigap coverage on which million of seniors and people with disabilities rely.  If we ever get into the voucher system, the security of government regulation is NOT enforced on Insurance Corporations, as was done when Medicare Advantage Plans were pushed on Seniors.  Insurance Corporations with no regulations are going to destroy any decent coverage Seniors can expect to receive.  If you were afraid of Obama care…this is much worse!  Insurance companies can determine who lives and who dies in this country, and that is NO exaggeration.

Please visit www.protectmedigap.org and find out what you can do to protect your Medicare benefits.

As always, we would be happy to help you if you are turning 65 to get comparisons of Medigap and Part D plans.

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 16, 2011 in Blog, BLOG ONLY, SENIORS WATCH OUT FOR SCAMS, Traditional Medicare Supplements.

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Do NOT GET FOOLED By The Big Double A

As I was watching yet another ad on TV for Medicare Coverage I came across another company who I cannot name but I think you know who I am referring to as the double A.  I do commend them often for their exceptional marketing techniques.  However, they were talking about and had the words MEDICARE SUPPLEMENT on the TV screen. I called the number and requested the information for Medicare Supplements ONLY!!

DO YOU KNOW WHAT I GOT?

Medicare Advantage Plan Information

Please beware….these companies will try absolutely anything to get you on a Medicare Advantage Plan.  Please read my other blogs in the catagory section on the left hand side of this blog under “Medicare Advantage Plans” about why you should not consider this option.

THOUGHT FOR THE DAY: When you are arguing with a fool, make sure he isn’t doing the same thing.

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 9, 2009 in SENIORS WATCH OUT FOR SCAMS.

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WHAT DOES THE “LAW” SAY ABOUT BUYING GENERICS OFF YOUR PART D PLAN? WHY DOES MY PHARMACY TELL ME IT IS AGAINST THE LAW TO BUY MY GENERICS NOT USING MY DRUG PLAN COVERAGE?

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!

THOUGHT FOR THE DAY: LIVING WELL IS THE BEST REVENGE!

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 2, 2009 in SENIORS WATCH OUT FOR SCAMS.

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LOSING EMPLOYER COVERAGE – YOU NEED THIS INFORMATION NOW FOR THE AEP BEGINNING NOV. 15 TO DEC. 31ST. EMPLOYERS STEERING RETIREES TO MEDICARE ADVANTAGE PLANS AND CERTAIN INSURANCE AGENCIES TO ENROLL IN COVERAGE!

Many of you have lost your employer coverage recently.  We know how suddenly being thrown into the Medicare system with every insurance company sending you information on their products can be so confusing and downright overwhelming!

We have also heard that some companies and even government employees and teachers have been offered ONLY a choice of Medicare Advantage Plans.  Some companies even tell their employees that if they use a PARTICULAR INSURANCE AGENCY to take out their coverage they will get more money to help pay for it.  In other words they are steering you to use a particular insurance agency or insurance company if you want any financial help to pay for your Medicare coverage.

This is amazing!  ARE THEY REALLY TAKING AWAY YOUR CHOICES?  NO, THEY ARE NOT!

They are making you feel as though your only options are to take what they want you to take, when the truth is, when you lose coverage from your employer, you are FREE to join whatever plans you KNOW are best for you, and that is CERTAINLY NOT a Medicare Advantage Plan.  Please read my other blogs under the category section on the left hand side under MEDICARE ADVANTAGE PLANS.

Please know that it is NOT to your advantage to choose anything other than using your Original Medicare Benefits, Part A & Part B and joining a Medicare Supplement/Medigap Plan and a stand alone Part D plan.  You may not get the extra $50 a month to help pay for it, but if you can possibly pay for a premium for a Medigap plan, you must decide to do what is in your best interests.

The main reason these companies want you to join Medicare Advantage Plans is the commission is so much higher for them.  They make more money when you join Medicare Advantage Plans.   I’ll let you wonder why your employer would only give you Medicare Advantage Plans as an option???  You can think about that.

In the year 2011, there will no longer be Medicare Advantage Plans as we know them today.  Even this year, many, many Medicare Advantage Plans have taken themselves OFF the market and many peope are losing coverage from their Medicare Advantage Plan.  The main reason for this is they have NO NETWORK OF DOCTORS  OR HOSPITALS THAT WILL TAKE THIS COVERAGE.

You have no way of knowing if the doctor you have seen the past 10 years is going to accept the Medicare Advantage Plan or your preferred hospital will take the coverage.  If they do take it NOW, they can STOP taking it anytime they choose and you will be without coverage.

Tell me, WHY would you take that risk?

Medicare Advantage Plans do not pay for durable medical equipment and many times your health is left up to the bean counters, not your doctor!  If you can afford the premium on a Medigap plan, why would you risk your healthcare?

So, the main point I am trying to make is do NOT feel trapped into taking whatever they throw at you.  You have the same choices as anyone else getting on Medicare coverage and you can choose to go to any agency, any website, any company that YOU CHOOSE, to find the best, most affordable coverage.

We can help you here if you are losing employer coverage to give you Medigap cost comparisons along with Part D drug plan comparisons.   We have helped thousands of GM, Whirlpool and other companies retirees…..JUST READ ALL OUR TESTIMONIALS!

GO TO www.MyPartDusa.com and enter in your meds and tell us what your concerns are about your choices today.

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 13, 2009 in SENIORS WATCH OUT FOR SCAMS.

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Taking The Fear Out of Medicare Reform

HOW MANY OF YOU LISTEN TO THE TALKING HEADS EVERY NIGHT? You have to first realize that RATINGS are their FIRST PRIORITY , not the facts.  Many of these people don’t even agree, and actually know they are starting controversy, but that is what creates BIG RATINGS!

There is no such thing as “OBAMA’S DEATH PANEL”!

When you actually read the section of the bill, they are talking about DOCTOR-PATIENT CONSULTATIONS ABOUT END OF LIFE PLANNING, such as drawing up a living will or planning hospice treatment.  Please refer to my other blog about hospice care. YOU WILL FIND THIS BLOG IN THE CATEGORY SECTION ON THE LEFT HAND SIDE OF THIS PAGE, UNDER “OTHER TOPICS OF INTEREST”?

It describes “advance care planning”, clearly stating on page (424, lines 21-23) that this means a consultation between the individual and a practitioner.  IT IS NOT ABOUT AN INDIVIDUAL AND THE GOVERNMENT.

Everyone needs a LIVING WILL!

If you do not have one, please ask your doctor.  If you leave these kinds of decisions up to your family, many times they do not have the heart to do what needs to be done.  We have all seen cases like this in the news and it gets blown totally out of proportion to the “real” situation.  Most of us would not want to be kept alive for years or even months on machines when there is no chance of recovery.

Just a little COMMON SENSE would do us all some good!  I’m sure many of you have had terminally ill members of your family and have gone through these gut-wrenching decisions.

Please remember that if it sounds ridiculous, it probably is ridiculous!

THOUGHT FOR THE DAY:

ALL OF US COULD TAKE A LESSON FROM THE WEATHER.  IT PAYS NO ATTENTION TO CRITICISM.

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 29, 2009 in SENIORS WATCH OUT FOR SCAMS.

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MEDICARE SCAMS – BEWARE DURING ANNUAL ELECTION PERIOD

THIS TIME OF YEAR, SENIOR CITIZENS CAN BE VERY VULNERABLE TO SCAMS, OR SALES PRACTICES THAT ARE QUESTIONABLE.  PLEASE REMEMBER NOT TO GIVE OUT YOUR PERSONAL INFORMATION SUCH AS YOUR SOCIAL SECURITY NUMBER OR MEDICARE CLAIM NUMBER TO ANYONE, UNLESS YOU HAVE DECIDED TO ENROLL ON A PLAN AND YOU ARE SURE YOU HAVE A REPUTABLE PERSON FROM A “LICENSED AND CERTIFIED” COMPANY TO SPEAK WITH.  IF YOU ARE ENROLLING ONLINE, MAKE SURE IT IS A SECURE SITE.

NEVER GIVE “CASH” TO AN INSURANCE OR MEDICARE SALESPERSON.  NEVER.

NEVER MAKE A CHECK OUT TO THE SALESPERSON, IT MUST ALWAYS BE MADE OUT TO THE INSURANCE COMPANY YOU ARE JOINING.

NEVER SIGN ANYTHING UNLESS YOU ARE READY TO ENROLL.  SOME SALES TACTICS INVOLVE TELLING PEOPLE THEY NEED TO SIGN SOMETHING TO GET THEIR MEDICAL RECORDS, BUT THEY ARE ACTUALLY SIGNING TO JOIN THE PLAN.  UNLESS YOU HAVE DECIDED TO BUY A POLICY OR JOIN A PLAN, NO ONE NEEDS YOUR MEDICAL RECORDS.

Many Medicare Beneficiaries get notices in the mail from what looks like their drug plan company, but it is an application to enroll on the companies Medicare Advantage Plan With a Built in Prescription Drug Plan.  I get emails all the time during the AEP that they “SOMEHOW” enrolled in a MAPD and it cancelled their drug plan and healthcare plan.  PLEASE MAKE SURE YOU KNOW WHAT YOU ARE SIGNING UP FOR!!!  If this happens to you, please call MEDICARE immediately, and let them know you were misled. 

Senior citizens are special targets for con artists. In fact, according to some estimates, one-third of all victims of fraud schemes nationwide are seniors. Worst of all, approximately 60% of all health care fraud victims are senior citizens.  Why?

Many elderly people live alone, making it easier for the fraud artist to go one-on-one with them.

Many seniors are lonely and are susceptible to the charm and persuasive tactics of the criminal.

Seniors often have ready cash.

Seniors are trusting.

Some of these con games, such as high pressure sales pitches for living trusts, investments and “miracle” remedies are aimed at the senior. They also prey on their confusion regarding the New Medicare Health Coverages, such as Medicare Advantage Plans.

Here are a few quick tips you should use to avoid being taken by any of these schemes:

Don’t let greed overcome your common sense . If they say “you have won” or get-rich-quick, you know that it is too good to be true.

Wait 24 hours before making any purchase ; there is no need to rush. An offer from a reputable source will remain available from one day to the next. If they offer a low price that you “must buy now”, don’t fall for it.

Get a second opinion; consult with someone you trust before making important financial decisions. If you are deciding on changing your health insurance and do not understand the benefits, have a family member speak to the salesperson with you.

Never reveal your “vital numbers” such as credit card, phone cards, date of birth or social security number or your PIN number for automated teller machines.

BE WARY OF:

HIGH PRESSURE SALES
DEMANDS FOR CASH ONLY
THE NEED FOR QUICK DECISIONS
SECRET DEALS, AVAILABLE ONLY TO SELECTED PEOPLE
NO RISK, HIGH YIELD INVESTMENTS

MY PART D USA and our websites and information therein are HIPPA compliant and secure.

You must make sure you are on a secure website before enrolling in a Part D drug plan.

We hope that this information has been helpful to you! 

Pass it ON!

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 26, 2008 in SENIORS WATCH OUT FOR SCAMS.

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Medicare Scams In The News

As we have warned you in the past there are many scams regarding Medicare Coverage that you need to know about. I get news reports everyday of seniors signing up on plans that are bogus or that they didn’t even know they joined.

Most of these are concerning Medicare Advantage Plans. Please do not join a Medicare Advantage Plan if you do not understand the benefits you will recieve. If you currently have a Medicare Supplement and you can afford the premiums, you will be better off to keep your Original Medicare with a Medicare Supplement. Medicare Advantage Plans may sound like a better deal with lower premiums, but that is not always the case. You may find that your doctor or hospital will not accept the terms of payment from the MA plan. Please read my other blogs with more details about Advantage Plans on the left side of this page under categories.

We have also heard of Drug Plans arbitrarily dropping people for no reason. Seniors get calls asking them to pay a years worth of premiums that they thought were being deducted from their Social Security checks. Please be sure you know how you are paying your monthly premiums and how much is being taken out of your check each month.

Every November 15th thru December 31st

you can call us for a comparison of drug plans to make sure that you still have a plan that will cover all your meds and save you the most money. Many people don’t want to go through all the checking each year, but then find out that their plan has gone up in price and may not cover every drug they take. Then it is too late to change and they are stuck with that drug plan for another year.

If you feel misled or are not happy FOR ANY REASON, with your Medicare Advantage Plan you have 12 months to get back on your Original Medicare with a Medicare Supplement with NO UNDERWRITING!!

You are not without a solution to your problem!! If you wait longer than 12 months, you may not be able to get back on your Traditional Supplement because of health reasons.

Also, if you have an issue with your drug plan or your Medicare Advantage Plan that you feel is not being taken care of properly, you need to call Medicare directly and issue a formal complaint.
1-800-633-4227

If we can help you in any way, please call us toll free at
866-752-1795.

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 March 17, 2008 in SENIORS WATCH OUT FOR SCAMS.

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