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!!!

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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.

JOKE OF THE DAY:  A man goes to his psychiatrist and says “Dr. what should I do, my brother thinks he’s a chicken?”  The doctor says “why don’t you get him committed?”  “I would”, the man says, but I really need the eggs!”

Everyday thousands of Seniors lose the coverage they earned from their employer retirement health care plans.

We can give you comparison prices for MEDICARE SUPPLEMENT/MEDIGAP plans to cover the 20% that Medicare Part A & B do not cover.

It is not too late to get your healthcare started January 1, 2010, just fill out the worksheet at www.MyPartDusa.com or call us toll free at 866-752-1795.

If you read the testimonials, on the right hand side of this page and click in the RED BOX to read all of them and there are literally hundreds on the blog, you will see why people come back to us each year for their drug plan comparison and refer people to us, their friends, family when they area turning 65 and need Medicare coverage.

We make sure you get the best coverage AND the lowest premiums.  As you know a Plan F is a Plan F, or a Plan J is a Plan J, no matter which insurance company offers the coverage.  THE ONLY DIFFERENCE IS ONE COMPANY WILL CHARGE YOU A HIGHER PREMIUM FOR THE SAME EXACT COVERAGE. That is where we come in to help you choose an “A” rated company while still getting the lowest premiums!

Our Consultants are NOT like a call center. They actually CARE about you.  It may sound too good to be true, but we are small enough to still care.  Even though we help thousands of people each year, we are not like those big companies that hire anybody that can fog a mirror to assist you with this most important decision.

THOUGHT FOR THE DAY:   It’s alright to be Goliath, but always treat people and act like David!

I know that everyone is so sick of all the Medicare commercials on TV.  We are ALL familiar with the Big H, I cannot say the name because they will have lawyers sending me letters.  I saw one this morning as I was getting ready to come into the office.  It had me in stitches…laughing, yet crying that these big insurance companies think Seniors and people on Medicare are so stupid.  Yet again, it also is simply criminal that they have made Medicare plans so confusing that we actually feel “stupid” when trying to get a drug plan comparison or decide between going with a Medigap/Medicare Supplement or a Medicare Advantage Plan.

This particular company actually had huge pieces of Swiss cheese to help us understand the “holes” in Medicare. The first piece of cheese had lots of holes in it showing what Original Medicare does not cover.  The second piece of cheese had less holes when you purchase a Medicare Advantage Plan, and the third piece of Swiss cheese only had one hole left for Part D drug coverage.  They were trying to help you understand that if you get their Medicare Advantage Plan that you will have NO HOLES IN YOUR MEDICARE PIECE OF CHEESE.

I WILL GIVE YOU A FEW MOMENTS TO STOP LAUGHING!

#1 – Original Medicare Parts A & B pay 80% of your doctor and hospital costs.  If you get a Medicare Supplement this covers the other 20%.

#2 - If you get a Medicare Part D drug plan comparison and choose a stand alone Part D plan you will have no more holes in your cheese.

The 2 options above are the only 2 things you need to have the best, most comprehensive, choice oriented coverage the Medicare system has to offer.

When you join a Medicare Advantage Plan you have no network of doctors or hospitals that may or may not take the coverage.  They aslo try to intice you with gym memberships, wellness care, dental care…etc….But, folks, THESE ARE JUST TEASER OPTIONS.  The actual benefits are not worth the risk you take in joining Medicare Advantage plans…….UNLESS

#1. You cannot afford the premium on a Medicare Supplement/Medigap plan

#2. You are disabled and there is no Medicare Supplement offered in your state or you cannot afford the premiums.

DON’T GET CAUGHT IN THE SMELL OF AN INSURANCE COMPANY CUTTING THE CHEESE ON YOU!

QUESTION Cheech & Chong’s Next Movie dvd :  I am losing my Retirement Plan from my company I worked at for many years.  They are telling me that I can only choose between plans they are giving me at this insurance enrollment number.  If I use another enrollment method or get different plans from what they are offering they won’t pay for it anymore.  Can they do this?  What do I really need to be concerned about getting on Medicare?

ANSWER:  Yes, Virginia, there really is a Santa Claus!  I’m sorry for being sarcastic, but it is amazing to me that companies out there are trying to confuse people getting on Medicare.  YOU STILL HAVE CHOICES JUST LIKE EVERY OTHER AMERICAN CITIZEN WHEN THEY ARE FIRST GETTING ON MEDICARE!! What your company is really saying is…..we have made a deal with these “certain” insurance companies that if you “enroll” with them AND take out the plans “we want you to take out”  WE WILL HELP YOU PAY FOR IT.

The Thomas Crown Affair video Most people when they retire go on Medicare with no financial help.  Usually if you have retired from a company, you can afford the $100 a month, give or take a little, for premium on a MedicareSupplement/Medigap plan, which is most certainly the best coverage and what you should be offered. If you are desperate and cannot afford this premium, THEN and only THEN should you take up the offer from your employer and join a Medicare Advantage Plan.  This is INFERIOR COVERAGE AND HAS NO NETWORK OF DOCTORS OR HOSPITALS THAT WILL ACCEPT THESE PLANS. Also, they are not going to be available after 2011 anyway.  So, my “educated guess” (yes, I’m being sarcastic again)  is that since the insurance company gets paid at least twice the commission for selling you Medicare Advantage Plans, they want to get these sold as long as they can, and they make some kind of “deal” with your employer.

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What you need to do is to call a local agent that you trust, or contact us and get a comparison of Premiums on a Medicare Supplement/Medigap plan and also a comparison based on your drugs, of a Stand Alone Part D for drugs plan.  That is ALL you NEED. Drop Dead Gorgeous hd

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Now some of you are also used to having dental and vision coverage under your retirement program.  There are no insurance plans for people on Medicare for dental and vision.  The Medicare Advantage Plans have these little teaser benefits, but nothing like you used to have and should not be a deciding factor in chosing to use a Medicare Advantage Plan.  Believe me, if there were any kind of decent vision and dental plan out there for Medicare beneficiaries, I would have found it.  There are plans you can join, BUT THE PREMIUM IS NOT WORTH THE BENEFITS, OR YOU ARE WASTING YOUR MONEY. There are plenty of salespeople out there that will sell you dental and vision plans all day long.  So just think about that…..

Universal Soldiers full movie When picking out a Part D plan, the only thing you need to worry about is saving the most on your co-pay and premium for the first $2,830 worth of drugs you buy.  After that, you don’t need to use your drug plan at all….you NEED TO SHOP AROUND AND BUY YOUR DRUGS AT THE PLACE YOU CAN FIND THE BEST PRICE NOT USING YOUR DRUG CARD.   ALSO, BEGIN THE YEAR BY NOT BUYING YOUR GENERICS ON YOUR DRUG CARD. If you read my other blogs about “drug savings tips” you will understand how this will keep you OUT of the DREADED DONUT HOLE LONGER EACH YEAR!   The only people who should buy all their drugs on their drug plan are those that will hit the donut hole and reach the other side to the 95% coverage!!  Get past that donut hole ASAP and begin getting your 95% coverage.

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So, please find yourself a comparison of Medicare Supplement/Medigap plans and a Part D Plan, based on your prescriptions and enroll on those 2 things.  You will be glad you did!!!!

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Go to www.MyPartDusa.com and enter in your drugs and tell us what situation you are dealing with in the comments.  We will honestly help you understand and get the best coverage!!!

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THOUGHT FOR THE DAY:  Life isn’t about waiting for the storm to pass, but learning to dance in the rain.

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EVERYONE ON A MEDICARE PART D DRUG PLAN NEEDS TO GET A DRUG PLAN COMPARISON OF ALL THE PART D PLANS BEGINNING NOVEMBER 15.  YOU CAN CHANGE YOUR DRUG PLAN FOR 2010 UNTIL DECEMBER 31. THE EARLIER YOU GET YOUR COMPARISON AND MAKE YOUR DECISION THE QUICKER YOU WILL HAVE IN HAND YOUR NEW PART D DRUG CARDS WHICH GO INTO EFFECT JANUARY 1ST, 2010.

WE WILL HAVE THOSE COMPARISONS LIVE ONLINE FOR YOU TO SEE FOR YOURSELF ON NOVEMBER 15 – DEC. 31.  YOU WILL NEED TO LIST THE MEDICATIONS YOU TAKE AND MAKE SURE YOU USE THE GENERIC NAME IF YOU TAKE A GENERIC TO GET AN ACCURATE COMPARISON.

AS YOU KNOW, ALL THE DRUG PLANS  CHANGE THE DRUGS THEY COVER AND THE CO-PAY AMOUNTS THEY CHARGE YOU EACH YEAR DURING THE ANNUAL ELECTION PERIOD OF NOV. 15 THRU DEC. 31ST.  IF YOU FAIL TO GET A NEW COMPARISON, YOU MAY BE VERY, VERY UPSET AT THE PRICES YOU ARE CHARGED AND THEN IT WILL BE TOO LATE TO CHANGE!

IF YOU ARE LOSING YOUR DOCTOR AND HOSPITAL COVERAGE OR TURNING 65, PLEASE TELL US IN THE COMMENTS SECTION AS WE WILL NEED TO TALK WITH YOU TO EXPLAIN YOUR OPTIONS & PROVIDE YOU WITH A COMPARISON OF MEDICARE SUPPLEMENTS.

IF YOU ONLY NEED A DRUG PLAN COMPARISON, ALL THAT INFORMATION IS LISTED FOR YOU ONLINE AS IT IS HUMANLY IMPOSSIBLE  TO TALK TO EACH PERSON ABOUT DRUG PLANS.

THERE ARE OVER 50 DRUG PLANS  TO CHOOSE FROM IN EACH STATE ALL WITH DIFFERENT PRICES AND DRUGS THEY COVER.  WE DO THESE DRUG PLAN COMPARISONS WITH EACH OF YOUR DRUGS AND CO-PAYS LISTED SO THAT YOU CAN CLEARLY SEE WHICH DRUG PLAN WILL SAVE YOU THE MOST MONEY.  THIS IS A FREE SERVICE!!

MANY OF YOU WILL BE LOSING YOUR EMPLOYER COVERAGE OR LOSING YOUR MEDICARE ADVANTAGE PLAN.  WE CAN HELP YOU REPLACE THIS COVERAGE AND GIVE YOU COMPARISONS OF PRICES FOR DOCTOR AND HOSPITAL COVERAGE.  THERE IS NO NEED TO PAY MORE THAN YOU NEED TO PAY!

EVERYONE KNOWS HOW CONFUSING MEDICARE CAN SEEM WHEN YOU ARE TURNING 65 OR NEW TO MEDICARE. All the different companies send you, or should I say bombard you, with their advertisements and information.  Everyone is overwhelmed, not just you!!

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If you read the comments from other people that we have helped in the TESTIMONIALS, (right hand side of blog) you can see that for yourself. kanye west heartless mp3

I was honored to be on CNN 3 times last November during the Annual Election Period talking about how some of  the GENERAL MOTORS RETIREES had come to us for help during their transition from group coverage to Medicare coverage.  I was also honored to write a blog for one of the largest groups of GM Retirees www.OverTheHillCarPeople.com They needed information about what they could expect after they had lost their group coverage.

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As always we recommend a MEDICARE SUPPLEMENT/MEDIGAP PLAN COMBINED WITH A STAND ALONE PART D DRUG PLAN , instead of a Medicare Advantage Plan.  You can read more about the differences and why we do this by going to the categories section (left hand side of this blog) and clicking on those topics.  With a Medigap Plan you can go to any doctor or hospital of your choice and not be worried about networks.   Medicare Advantage Plans don’t even have a network of choices that you can be assured will take your coverage.  Please use this BLOG to educate yourself on the different types of coverage BEFORE you sign up.

AS ALWAYS, OUR SENIOR CONSULTANTS ARE HERE TO HELP EXPLAIN THESE ISSUES AND ANSWER YOUR QUESTIONS MORE CLEARLY. порно симпсоны секс в волгограде

YOU CAN EMAIL US OR CALL US TOLL FREE. 666 the beast dvd download doom 866-752-1795 BE SURE TO TELL US YOU ARE TURNING 65 OR LOSING YOUR COVERAGE.

While you are visiting this BLOG, please scroll on down and read my DRUG SAVINGS NEWSLETTER and also the TOP TEN LIST OF THINGS WRONG WITH MEDICARE.  This will revial more insight into the program and give you more information to ask questions.  Have you ever felt like you didn’t know enough about a topic to know what questions to ask?? We understand how you feel and when we talk to you can shed enough light that you will come up with the questions you need to know to make the BEST DECISIONS ABOUT YOUR MEDICARE COVERAGE.

At My Part D USA we are getting hundreds of letters each day from people who want to get back on a Medicare Supplement/Medigap plan instead of the Medicare Advantage Plan they joined. 

Many of you are not getting your drugs covered under the Advantage Plan’s drug plan or your doctor or hospital do not accept the terms of payment from the Advantage Plan.

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All you need to do is call our toll free number: 866-752-1795 or fill out the worksheet you can click to on this blog.  One of our consultants will be happy to explain what steps you need to take to get back on Original Medicare combined with a Medicare Supplement and a stand alone drug plan that will cover your medications.

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