My Part D USA

QUESTION: I am losing my group health coverage with General Motors, 1-1-2009, that I have had since I retired. Now I must find a Medicare Supplement and make sure my benefits are as good as what I had.  How do I compare these plans, it is so confusing?

ANSWER: We have been contacted by hundreds of General Motors retirees about this very subject.  Keep in mind you will only have 63 days to get your Medicare Supplement with no underwriting on a guarenteed issue basis.  Let me run down the best Medicare Supplement plans and what they do and do not cover for you.

Plan J – This is the Cadillac of Medicare Supplement Plans.  Some people like to pay for all the bells and whisles even though they may possibly not need them, just to have that extra luxury.  Plan J has everything all the other plan have plus the following:

Prevenative Care

– This is an extra $120.00 per year for prevenative care such as a physical.  However, if you have any health issues your doctor will do all the bloodwork anyway and you will end up getting the equivalent service.

Home Heath Care – This is $40 per day up to $1,600.00 of unskilled care per year, such as bathing, household chores.  If you need this type of care you are probably getting skilled care as well and this is covered under other less expensive plans.  You can’t get much for $40 a day these days.

Excess Charges – Plan J will cover 100% of any charges over the limit that Medicare allows for your illness that your doctor bills you.  However, 99% of the time, your doctor will only charge you what he is allowed to charge you under Medicare rules.

Part B Deductile – There is a $135.00 yearly deductible on a Medicare Supplement.  Plan J covers this for you, however, you may be paying more in premium for this $135 than it is worth.

Plan F – Plan F is the Oldsmobile of Medicare Supplements.  It covers everything plan J covers except the following:

Home Heath Care – $1,600.00 per year

Preventative Care

- $120 per year

Plan G – Plan G is the Chevrolet of Medicare Supplements.  It is the most cost effective plan if paying the premium is an issue for you, yet it still has good coverage.  Plan G has everything including Home Heath Care except:

Prevenative Care -

$120 per year

Excess Charge Coverage – This plan does pay for 80% of excess charges.  Which will be more than sufficient in most cases.

Part B Deductible Coverage – Keep in mind that if you want your plan to pay for the $135 a year deductible you may be paying more in premium than it is worth.

As you can see, there are many things to consider.  It all comes down to how much premium you want to pay for coverage you may not need.  Some people want it all and don’t mind paying a higher premium per month to get it.  All Medicare Supplements pay the 20% of all your doctor and hospital bills that Medicare does not cover with their 80%.  You can decide if you want all the extras, or maybe you don’t mind rolling up your own windows or not having heated leather seats.  It is up to you!!

At My Part D USA we can consult with you and help you choose the plan that would be best for you based on YOUR NEEDS and DESIRES.  We can also help you get your Supplement, no matter what Plan you choose at the lowest prices.

MEDICARE ADVANTAGE PLANS should be avoided, unless you cannot pay the monthly premium on Original Medicare combined with a Medicare Supplement.  That is what we recommend and we are standing by this.  Keep in mind that you will be approached by many Medicare Advantage Plan salespersons, telling you that their plan is better than Original Medicare, BUT they do not compare against Original Medicare with a Traditional Medicare Supplement.  There are many co-pays and hoops to jump through.

You have worked hard and deserve the BEST COVERAGE!

When you come off your retirement plan you only have 63 days from the end of your group plan to get a Medicare Supplement with NO UNDERWRITING.  This is the only time you will have NO HEALTH QUESTIONS ASKED AND A GUARANTEED ENROLLMENT ON THE PLAN OF YOUR CHOICE!

If you join a Medicare Advantage Plan instead, you may never have another change to get a Traditional Medicare Supplement without going through underwriting and possibly turned down for health reasons.

I hope this answer helped you understand your options.  You can write to me, Karyn Blake, with any other questions and I will be glad to find an answer for you!

Call us today toll free at:  866-752-1795

We hear from people everyday that are just turning 65, or losing their retirement benefits and need to find out what their benefits are with Medicare.

IMPORTANT: You have 6 months before, the month of, and 6 months after you turn 65

to get your Medicare Supplement with NO UNDERWRITING! That means that no matter what your health situation is…you cannot be turned down for coverage. If you are losing your retirement benefits you have 63 days to get coverage with NO UNDERWRITING. This is the only time in your life when you can get coverage that is guaranteed no matter what your health issues may be!!

Last week a lady called in to say that she was on a High Risk Insurance Plan because of her health conditions and her insurance agent told her she should KEEP this coverage because she could not qualify for anything else. She was paying over $4,500 per year for this plan. THANK GOODNESS SHE CALLED US!!!

We told her that because she was in her Open Enrollment period for Medicare she could get covered for $112.00 per month, a savings of several thousand dollars a year!!!

If you are on retirement benefits from your company, you may be paying much more than you need to for your coverage. Many times the company retirment benefits are more expensive than if you were covered individually. The reason for that is the insurance company rates the “group”, so you may be paying for your co-workers health issues. If you are turning 65, get more information before you take what is offered by your company.

You can call us toll free at 866-752-1795. We can walk you through understanding your situation and help you save as much as possible on your Medicare coverage.

46 Million and counting….

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Over 46 million Americans are already enrolled and receiving benefits through Medicare. Because Medicare does not pay for all health care services, only 80%, you have the option of buying a Medigap policy (Medicare Supplement) to cover the gaps or the other 20%. Medicare Supplements are offered by private insurance companies.

All supplement plans are the same from each company and regulated by Medicare. The only difference is, some companies will charge you a HIGHER premium than other companies, you could find yourself paying double the premium someone else is paying for the exact same benefits!

This is where My Part D USA can help! We will shop the marketplace in your state and find the lowest priced plan with a reputable company.

You should never own more than one Medicare Supplement. If you decide to change supplements, DO NOT CANCEL until you are approved on the new plan.

When you retire and need a Medigap policy, there is an open enrollment period of 6 months. This means the insurance company cannot turn you down NO MATTER WHAT! They cannot refuse to write you a policy because of your medical history or claims, nor can they charge you more because of your health problems. THAT IS WHY IT IS IMPORTANT TO FIND THE BEST POLICY WITH THE LOWEST PRICES IN CASE YOU DEVELOP HEALTH ISSUES IN THE FUTURE!

My Part D USA can guide you though this important time, making sure you get the best for less!

There are many things to consider when choosing a plan:

1.Does your Doctor take assignment? This means that Medicare has a set price for certain procedures and most doctors accept that amount for payment. If you doctor does not take assignment, you can choose another doctor or choose a plan that will cover the additional expense your doctor will charge.

2. Do you want to keep , and be able to choose your own doctor? Or, can you accept changing your doctor or hospital because they are not on the list of a Medicare Advantage Plan? When you decide against a Traditional Medicare Supplement and choose a Medicare Advantage Plan, (refer to the other blogs on the left side of the home page on MAP’s) you will lose the ability to pick your Doctor or Hospitals, and sometimes even your pharmacy. The Doctors and Hospitals must agree to accept the terms of payment from the MAP, and the doctor can refuse to accept it at any time.

With a Traditional Supplement you can see any doctor or hospital in any state and know your benefits will cover you. fantastic voyage movie download

3.Will you be needing the Foreign Travel Benefit? next friday dvdrip download If you will be doing trips abroad during your retirement, it may be necessary to include this in your Medicare Supplement.

When you shop for your new or replacement Supplement these are just a few of the important things to remember. My Part D USA will take all this into consideration when we recommend the best plan for you.

Please fill out the worksheet or call us at 866-752-1795

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On Monday Oct. 1, 2007, Medicare released the new premium rates for 2008.

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Medicare’s standard monthly premium is rising to $96.40 in 2008 a 3.1% increase from last year but it is the smallest increase in 6 years. Medicare’s Part B program covers health care for 43 million senior and disabled people in the USA. The Deductible for part B is $131 in 2007 and will rise to $135 for 2008.

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Also, the deductible for Part A is also increasing in 2008. When a beneficairy is admitted to the hospital they will pay a Part A deductible of $1,024 in 2008 up from $992 in 2007.

The agency gave reasons for the increase that included the rising cost of home health care and physician-administered drugs, ambulatory surgical center services, medical equipment, doctor’s office lab services amoung others.

Medicare is raising the premiums for those make $80,000 a year or more as well. This will affect 5% of people with part B coverage.

Even with this increase Medicare recipients are still getting better services than ever before.

For Help with Medicare Supplements or Medicare Advantage Plans go to:www.MyPartDusa.com

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The most important aspect in learning about your Medicare options is to realize that all Traditonal Supplement Plans are regulated by the Centers For Medicare. The only difference is that one insurance company will charge you a higher premium for the same benefits as another company.
YOU MUST COMPARE PRICES!! green mile the download free great raid the divx download Some of these companies have huge advertising budgets and want you to become of “member” of their organization. Please don’t be fooled into believing that they will have the lowest prices and the best coverage. Many times they do not have the best prices, but since their name is so recognizable, seniors enroll before they check or compare.

We can help you with this comparison by going to www.MyPartDusa.com or calling toll free 866-752-1795

. One of our highly trained Senior Consultants will be standing by to help you!

With a Traditional Supplement

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you can choose any doctor or hospital you prefer with no referral for specialists. You will have a monthly premium for your supplement. Medicare will pay 80% of your doctor and hospital costs and your supplement will pay the other 20%. There are no hidden costs, co-pays or hoops to jump through. In addition to your doctor and hospital Part B Traditional Supplement, you will need a stand-alone Part D drug plan to cover your prescriptions. These are the only two policies you will need when you join Medicare Part A and or Part B.