My Part D USA

QUESTION:  I talked to an Insurance Agent AND also called toll free numbers from several big Medicare Supplement companies about my Medicare Supplement and they either said that they didn’t do drug plan comparisons, or tried to sell me only the ones they sell without comparing other plans.  They also said most drug plans were all about the same anyway and they could sign me up now.  Is this true?

ANSWER:  95% of Licensed Insurance Agents do not want to take the time to help you find out about which drug plan would save you the most money.  They don’t get paid very much at all by the drug companies to do it.  There are more than 50 drug plan companies in each state. It is complicated and a huge pain in the backside.  They will, however, be MORE than happy to sell you a Medicare Supplement, something they do get paid to sell you.  I understand completely why they don’t want to “MESS” with drug plans.  However, this is My Part D USA.  We started in 2005 by giving you price  comparisons on your particular drugs and we still do it.  I guess what you are wondering now is WHY do we continue?  We believe that if you call a company who deals with Medicare coverage, you should be able to get help with ALL YOUR MEDICARE NEEDS.  Simple as that!  We get calls everyday from people who already bought a Medicare Supplement from an agent or company’s 800 number (without getting a Medicare Supplement price comparison either) and then want help with their drug plan.  They do NOT understand that by calling a company directly they have no AGENT, no one to stand up on their behalf, no one to service them.  It is so sad that they are not told the truth from the beginning.  You need to work with someone who is willing to care about your needs and ALL your Medicare benefits.  I understand that everyone needs to make a living.  All the companies care about is making money, as do some agents.  It is very sad that the Corporations do not want to pay anyone to help you anymore and you will find that less and less people are going to be willing to CARE about you and what is best for you regarding your Medicare decisions.

10,000 people are turning 65 years young everyday in this country.  Do you know how many of them actually feel confident about their decisions about Medicare?  Not many!  Even when you get your book from Medicare to read, you will have many questions. You also have no idea what Medicare Supplement and Drug Plan companies will charge you for coverage.  This is ALL we do.  Our first priority is assisting you not only in understanding your Medicare benefits, but getting you the best coverage for the lowest prices.

October 15 to December 7th, 2011 is the Annual Election Period for your Part D drug plans!  We WILL have these online for you October 21st to study and choose between your top 5 plans based on premium and co-pay for each of YOUR drugs.  If you would ALSO like a comparison of Medigap/Medicare Supplement Plans, please let us know in the comments section. Tell us about your situation and how we can assist you in getting the best coverage for the best price available!  When you work with US, we always have your Part D plan comparison ONLINE for you during the AEP each year to make the best decision on saving the most money on your drugs!  That is the My Part D USA difference!  We help you with ALL YOUR MEDICARE NEEDS EACH AND EVERY YEAR!

QUESTION:  I am turning 65 and got a call directly from an insurance company who sold me a Medicare Supplement.  Now I can’t get anybody to help me with my Part D plan, get a comparison or talk to me when I have a question about my Medicare rights.  What did I do wrong???  I am very distressed and need help about my drugs because I need to save as much as possible.

ANSWER:  I get many, many calls all day from people who have already gone DIRECTLY to the company OR HAVE RESPONDED TO DIRECT MARKETING FROM AN INSURANCE COMPANY and purchased their Medicare Supplement. Then they need help with their Part D plan or want advice or help about other Medicare coverage issues and they do not have an ADVOCATE or AGENT to help them. They literally are in tears because they were new to Medicare and did not realize they were giving up getting comparisons or help regarding Medicare.  All the company is there to do is SELL you a Medicare Supplement.  They do NOT CARE ABOUT YOU! Every year YOU will need a new Part D plan comparison because the drug plans change the drugs they cover and the prices you pay for them each year.  You will have no one to help you!

IF YOU GO DIRECTLY TO AN INSURANCE COMPANY…AND GO THROUGH THEIR PHONE SALES DEPARTMENT, YOU WILL NOT HAVE AN AGENT OR ADVOCATE TO HELP YOU WITH ANYTHING ELSE THAT HAS TO DO WITH MEDICARE SUCH AS GETTING A PART D PLAN COMPARISON.  IF YOU EVER NEED ADVICE, HELP WITH A PROBLEM OR WANT SOMEONE ON YOUR SIDE, YOU FORFEIT THIS SERVICE!  THEY WILL NOT TELL YOU WHAT YOU ARE GIVING UP!!!

THE REASON IS: The companies do not want you to have a comparison, especially the Part D plan companies.  They want you to keep the same drug plan every year so they can stop covering your drugs and go way up on the price of the ones you already have with them.  They also don’t want to pay your agent a commission to assist you.  However, these savings do NOT help YOU, OR LOWER YOUR PREMIUM! The company keeps the money, while giving you less service!

At My Part D USA, when you turn 65, we do a comprehensive comparison for BOTH your doctor and hospital coverage and your Part D plan.

BETTER YET, we continue to do that each year for you during the Annual Election Period.  This year it is early, Oct. 15th to Dec. 7th.  We do not get paid to go the EXTRA MILE for you, but that is why so many people come to us and are so happy with the help we provide.  Just read the testimonials!

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.

Everyday I get “feedback” forms in the mail from people we have worked with here at My Part D USA.  I thought I’d share a couple of them with you.  Helping people have peace of mind about their medical coverage is why we keep this website up and running year after year!

Dear My Part D USA: Absolutely incredible!  It was terrific to hear an actual voice and a “God Bless You”, very friendly, warm, and understanding.  Retiring after 30 years of teaching I found that I was in unchartered territory both emotionally and physically, but there have been unexpected support, not only from family but from strangers like My Part D USA, which I stumbled around and found on the computer.  Finally I had a voice that paced me through a process that has worked like “clockwork”! Thank you so much!

Robbie Davidson, Colorado

Dear My Part D USA: You guys went above and beyond on every issue and helped me get a great plan.  Thanks for all your time spent on me alone.  In today’s world it is most unusual to get the kind of service you gave and I appreciate it more than I can say!

T. Rice, Texas

Dear My Part D USA: Excellent – Everything went so FAST & EASY! I wish I had called you last year.  Thank you for your help.  At this age I was apprehensive about changing my medical insurance.  You made it very easy and within two weeks it was changed and I have the paperwork and saving money.  Thanks again!!

Nancy Leon, Ohio

If you need HELP with saving money on your doctor and hospital coverage any time of the year, just give us a call or email kblake@mypartdusa.org

Excellent, REAL PEOPLE, NO ANSWERING TREES!!!  The Webster’s Dictionary describes an angel as a supernatural being; a guiding influence…That is My Part D USA!   Steve Repoca, Arizona.

I get Testimonials every day from people we have helped through the MAZE of MEDICARE. Some of them are quick and right to the point.  Some are funny and some are so touching. You can read hundreds of them by clicking on MORE at the bottom of the ones listed on the right side of this page.   It it very rewarding to know that when we talk to you, we really help you relax and begin to understand that even though Medicare coverage can be confusing, you have found a place that is on YOUR side and willing to take the time you need to feel confident you have made the right choices.

Please take the time to read the category section of my blog on the left hand side and search around for topics you are concerned about.  If I haven’t covered  one of your questions, feel free to write me and I’ll get back to you ASAP.

If you are turning 65, or losing your retirement benefits give us a call.  We answer the phone and actually talk to you.  You will not push 1 if you want to leave a message or push 2 if you are ready to pull your hair out!!! We are still small enough to CARE and large enough to be experts in Medicare coverage because that is ALL we do.

Excellent service, concise explanations, My Part D USA takes the time to cover all information.  Not in a hurry to get you off the phone until you are comfortable with the material.  Speaking to My Part D USA with their knowledge took the headache out of the process.  I have given 2 friends your email address already.  Thanks so much for your help!

Bonnie McCall,  TN

Thank you for helping me pick my Supplement and drug plan.  I saved money!  Very helpful service for 65’s and older.  Very polite, well educated, prompt, courteous and a pleasant experience working with My Part D USA.

Sal and Linda Knox, Indiana

GOOD QUESTION!! The answer is easy….WE CARE ABOUT YOU.  We actually care if you get the right coverage for your situation and your health issues.  That is unusual in the insurance business I must confess.  How can we afford to actually care?  WE DO NOT HAVE ONE INSURANCE COMPANY WE ARE LOYAL TO,  SO WE CAN GIVE YOU UNBIASED COMPARISONS OF ALL PLANS IN ALL STATES!

Most local agents are working for one company or they are making a higher commission to try and sell you a particular plan.  That is NOT the case here at My Part D USA. In fact, we don’t make a dime on any drug plan we recommend to you.  We show you comparisons based on YOUR medications.  We also do the SAME KIND OF COMPARISON for your doctor and hospital coverage.  There are so many Medicare Supplement/Medigap companies out there all trying to get your business.  We simplify the process for you so that you can get the best coverage for the lowest premium.

When you call our office you ALWAYS speak to a real person, not a machine to leave a message.  We go the extra mile to let you know we value your individual needs.  We are not a BIG company, but a FAMILY OWNED business based out of Chattanooga, TN even though we have helped thousands of people on Medicare in every state.

CLICK ON  ”START NOW” TO BEGIN YOUR MEDICARE JOURNEY!