My Part D USA

Many people think they don’t need to worry about Medicare Supplements….. but if your has gone up in price we can help you.  You don’t need to give up coverage to get a lower price.  Please call us toll free at 866-752-1795 and let us now your doctor and hospital coverage has gone UP and we will get a better priced plan for you with the same benefits.  This will help you pay for your drugs by saving you money on other coverage…and find out what you are missing out on.

Medigap (doctor and hospital) plans have gone UP! Also, if you are on a Group Retirement Plan, you may be paying an extremely high premium for the same benefits as those on Medicare Plans.   Call toll free 866-752-1795!  Don’t waste your money paying more for the SAME benefits! Tell us you need prices for the Medigap “Plan N” in your state.

We have already saved hundreds of thousands of dollars to seniors all across America who realized that staying on the same Medicare Supplement costs too much after years of increases.  RIGHT NOW, there are guaranteed issue Plan N Medicare Supplements!  This means no health questions asked.  Usually, you can’t change Medigap plans this easily and this may not last, so check it out.

Why spend time trying to save on your medications if you are spending too much on your doctor and hospital care?

Everybody is talking about using COMMON SENSE these days, so get a Medigap cost comparison today!

You may have received a brochure from Medicare in the past week or so.  There are many great benefit changes and I wanted to go over a few of them with you.

1. This year when/if  you fall into the “dreaded donut hole” you will get a check for $250, if you are not getting Limited Income Subsidy benefits.   This will give you a “little” extra help to pay for your expensive brands during that time.

2. Next year, 2011, if you reach the donut hole, you will get a 50% discount when buying Part D covered brand name drugs.  Now, that is what I’m talking about, folks!!!  Remember you should NEVER buy your generics using your Part D Plan.  Get them for $4 a month at many big box pharmacies.  This will keep you OUT of the donut hole longer each year.  Even though your co-pay is $8 for a generic on your drug plan, they ding your plan $20, $30 or more toward reaching the donut hole.  Watch your statements from your drug plan and make sure the pharmacy does not make a claim you have asked them not to make!

3.  Over the next 10 years the donut hole will be closed, so the extra help you get will increase each year until then.

4. In 2011 preventive care will be covered with colorectal cancer and mammogram screenings, free annual physicals to make sure you stay on the right track with your personal plan to “stay healthy”.

5.  We are very happy to see these changes take place.  If you remember, many of you signed our website for change at www.Top10ThingsWrongWithMedicare.com We personally presented our Senator Corker from Tennessee a copy of this website with over 2,000 of your signatures and stories printed off (it was a big folder) so he could read for himself the problems you have faced with your Medicare benefits and the perils of Part D.  If you have not read this website, please take a moment and check it out now.

6. Please scroll down the page at www.MyPartDusa.com/blog and read about the New Modernized Medicare Supplement Plans  (PLAN N) that are now available.  You can save as much as $100 a month on your premiums for doctor and hospital coverage.  I know your Medicare Supplements/Medigap Plans go up and up and up! RIGHT NOW THESE PLANS ARE GUARANTEED WITH NO HEALTH QUESTIONS FOR A LIMITED TIME ONLY, YOU CANNOT BE TURNED DOWN FOR COVERAGE. Please call us or use our worksheet on the website to get a Part D Comparison) and BE SURE to let us know you need “Plan N” info in the comments section! You can also email me at kblake@mypartdusa.org and let me know you want prices for Plan N in your state.

THOUGHT FOR THE DAY:  The early bird gets the worm, however, the second mouse gets the cheese!

If saving money on your Traditional Medicare Supplement Premiums is important to you then the New N plan may be an option.  Some  people are saving up to $100 a month on their premium, however, you have a co-pay of $20 for a doctor visit and a once a year deductible of $155.

It just depends what state you live in as to the monthly premium cost.  The N plan is still not available in a handful of states, but will be shortly.   So, count how many times you go to the doctor in a month on a normal basis and add that co-pay to the premium we will provide you for your state when you call us.  This will help us decide if you will be saving money on the New N Plans.  Remember, if a plan is not better for you, don’t change!

If you feel as if this is a possibility for you, call us toll free at 866-752-1795.

JOKE OF THE DAY:  Health Care Laws are like sausages, it is better if you don’t know what is in them or see them being made!

Thank you for the great response we got from the “N” Plan Newsletter!  We have saved so many people so much money it is amazing. Just read the testimonials on this page.

Many of you have been on the same Medicare Supplement for years and the price goes UP and UP. The new “N” Plan can really save so much on your premiums.  Also it is a guaranteed issue plan.  In the past when people contacted us to get a lower premium, we couldn’t help them because the insurance companies would turn them down for health reasons: NOT WITH THE NEW N PLAN!

If your Supplement premium has gone up, give us a call today.  We can help you save money and keep you going to the same doctors you have been going to.  No networks, no referrals to specialists and most importantly you will be with an A rated company that has NEVER endorsed Medicare Advantage Plans!

Our toll free number is 866-752-1795. Why try to save money on your drugs if you are paying too much for your doctor and hospital coverage?….get it all done the right way!

THOUGHT FOR THE DAY: We make a living by what we GET, we make a life by what we GIVE.

Modernized Medicare Supplements begin June 1, 2010!

Thank Goodness we now have some better choices for your Medicare Supplement Coverage. Many of you are getting rate increases on your Medicare Supplements.  Some of you are losing your coverage with your Medicare Advantage Plans and/or want to get off of them.

There are NEW plans now with NO UNDERWRITING, GUARANTEED ISSUE no matter what your health conditions.  You can still go to any doctor or hospital of your choice with no network to choose from.

Even though they don’t begin until June 1, you can go ahead and get your application.  Just fill out our worksheet online or give us a call today!    866-752-1795   We are so excited to be able to offer this to you!

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.

Joke of The Day:  Old Man – Honey, what has happened to our sexual relations?  Old Woman - I don’t know, Dear, we didn’t even get a Christmas card from them this year.