Where do I go for HELP with Part D or Medicare Issues? Archive

Are You Turning 65 OR Needing a Lower Price on Medicare Supplements? Let Us Help You With One Quick Phone Call !

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.

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 May 2, 2012 in Drug Savings Tips, Traditional Medicare Supplements, Where do I go for HELP with Part D or Medicare Issues?.

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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!


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!

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 31, 2011 in Blog, BLOG ONLY, Drug Plan Enrollment, Drug Savings Tips, Traditional Medicare Supplements, Where do I go for HELP with Part D or Medicare Issues?.

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Helping People with Medicare – The Proof Is In The Pudding!

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

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 4, 2011 in Blog, BLOG ONLY, Traditional Medicare Supplements, Where do I go for HELP with Part D or Medicare Issues?.

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What Do I Do During the Annual Election Period for My Medigap Plan and My Part D Plan?

Yes, folks, it is that time of year again…. believe it or NOT.  This year people are in many different situations.  Some people are losing Medicare Advantage Plans because they are going out of business.  Some folks have had their Medigap plans go up in price and need help to save money on doctor and hospital coverage. Many of you are happy with your doctor and hospital coverage and ONLY need a Part D Drug Plan comparison. So this is the scoop…

1. If you only need a Part D drug plan comparison you can get one online now FOR 2011 at www.Medicare.gov  You can also request one from us, but due to the many thousands we are getting each year we cannot get back to everyone…but will do our  very best.  If you don’t hear from us…please try the Medicare website.

2. If you are losing a Medicare Advantage Plan and you are on disability and under age 65  please contact your local SHIP  (State Health Insurance Assistance Program) office to see what will be available in your area.  Many times there are no Medigap Plans available in certain states.  If you are OVER 65, you are guaranteed issue (no health questions) for a Medigap plan and we can help you find the lowest premiums in your state by calling 866-752-1795.

3. As always through the year when anyone is turning 65 we can help you find the best Part D plan and the best priced Medigap plan.

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 28, 2010 in Special Enrollment Periods for Part D Drug Plans, Traditional Medicare Supplements, Uncategorized, Where do I go for HELP with Part D or Medicare Issues?.

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How To Get Help Paying For Medications

Hello everyone! From my last Newsletter about the changes in Medicare I got hundreds of responses from people in the “dreaded donut hole”!  If you make less than $16,245 per individual or $21,855 per married couple you may qualify for Medicare Part D Limited Income Subsidy. How many of you have tried to contact your local Social Security office to apply?  If you do qualify you will have a discounted premium, all drugs will be between $4 to $10  for a 30 day supply and there is NO donut hole. Please contact your local SS office and apply today!  You will get a letter in 2 to 3 weeks telling you if you qualified and/or at what level.  YOU MUST SEND A COPY of this letter to your Part D plan so they will know you have been awarded extra help.  You can also do this online at:


Also, if you have too much money….isn’t that ridiculous to think any amounts over those qualifications are too much money?….you can contact the manufacturer of your medication.  They have higher income limits and many of them will give you significant discounts.

I also received emails from many people talking about how their pharmacy will not let them get their generics OFF the drug plan. If your pharmacy tells you this, let them know you will will turn them in to Medicare.  You can call 800-633-4227 and issue a “formal complaint” against your pharmacy.  You do not have to make a claim on your drug plan.  It states plainly in the CMS guidelines that a pharmacy must file a claim, unless the Medicare beneficiary instructs them “NO”, do not file this under Part D drug plan insurance.   Remember, they want to file a claim because they get a larger fee from the insurance company.  YOU ARE IN CONTROL OF THE CLAIMS YOU FILE ON YOUR INSURANCE!  You do not have to give them your Social Security number to get a prescription filled.  All they need is your name, address and date of birth.

As we all know the best way to save on medications is not to take them.  I’m not being a sly boots!  We all know that some meds are needed no matter what and never stop taking them without talking to your doctor.   Please discuss with your doctor NATURAL ways to lower blood pressure and cholesterol.  It can be done!  TAKE A GOOD QUALITY FISH OIL TODAY AND EVERYDAY!  Have you seen the NEW drug commercials that are actually using Omega 3 fish oils? The drug manufacturers are going to try to sell us fish oil now.  I will be interested to know how much the “new” prescription fish oil will be.  If anyone knows about this, write me.  Please go to the left hand side of this blog under “Health & Wellness” to read more info on foods and supplements to improve our health.

As always, if you need lower prices on your doctor and hospital costs, we can help you.  Just give us a call at 866-752-1795. Tell us you want to check on the new “Plan N” Medigap Plans.

Joke for the Day :  I used to eat lots of natural foods and then I learned that most people die of natural causes.

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 June 17, 2010 in Where do I go for HELP with Part D or Medicare Issues?.

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Q and A From Readers

Since I get so many questions by email everyday I thought I would share some of them with you, just in case!

QUESTION: Does Medicare pay for any kind of herbal or natural treatments instead of just prescription medication?

ANSWER: No, Medicare does not consider herbs true medications and will not cover these expenses.  I understand why you would want to know this because I have been in my local health food store and know how much the supplements many doctors recommend cost, such as Omega 3 fish oil, and antioxidant herbal additions to your treatment.

My advise to you if you want to use herbal supplements in addition to or instead of standard prescription medications is to find a Doctor in your area who deals with both ways of treatment.  Many herbs can interfere with your prescriptions, so you need to disclose everything you take to EVERY doctor you see.

There are recent studies that the herb Astragalus has been used in combination with other drugs to treat cancer and can boost the power of some types of chemotherapy.  Ginseng is another herb that can boost energy in cancer patients, and Glutamine can help with your digestive tract and the damage chemo does to your body.  Chronic inflammation is known to fuel the growth of tumors and Omega 3 fatty acids in fish oil and flaxseed are potent anit-inflammatories that slow tumor growth.

Omega 3′s also help your heart and joints, so even though taking fish oil does not sounds very appetizing, they have caplets or flavored oil that goes down easily.

No matter what kind of treatment you choose, make sure that everything you take works well together and check with your doctor, or find one that has an open mind about both natural remedies and prescription drugs!


Ms. Blake, last year my husband, who was on SS disability turned 65.  During the enrollment period for a supplelment where he could NOT be turned down because of medical reasons, a Medicare Advantage rep talked us into going with (a certain MAPD).  It was all so confusing to us and what he said SOUNDED GOOD, but now that my husband is past that enrollment period, we know the truth and he would not be able to pass a medical exam for a Medigap/Medicare Supplement.  Is there any hope for us?

Also, he is in the “dreaded donut hole”.

ANSWER: I am happy to tell you that because you were misled and you are within the 12 months of joining an MAPD, you can change back to a Medicare Supplement with no health questions and a stand alone Part D plan. You need to call Medicare directly and tell them about your situation and that you were confused about the benefits provided by the MAPD and the way the salesperson explained it to you was not clear.  They can enroll you back into the ORIGINAL MEDICARE SYSTEM. When that is done you can call us here at My Part D USA

or someone else you can trust locally that will help you and KNOW HOW

to deal with this process.  Also, if your income is low enough you can go to your local SS office and tell them you want to apply for MEDICARE PART D LIMITED INCOME SUBSIDY .  SS will send you a letter telling you if you qualified or not.  If you did, you MUST send a copy of that letter to your Part D plan provider, so they will know not to bill you for a premium, that you will have NO DONUT HOLE and all your drugs will be between 4 to 8 dollars for a 30 day supply.  If you cannot qualify for this, please contact the actual manufacturer of your husbands most expensive drugs, many times their income levels are higher to qualify for help and you can get discounts that way.  You can also shop around, not using your drug plan during the donut hole! There are also FREE DISCOUNT CARDS, you can download, as I have talked about on the blog before, just look in the category section.  Remember to read my other blogs about ways to MAXIMZE your drug plan beginning next January to NEVER buy your generics using your drug plan so you can save your c0-pays for the more expensive brand name drugs.  This will also keep you OUT of the donut hole longer each year.

THOUGHT FOR THE DAY:  If you laugh a lot, when you get older your wrinkles will be in the right places!

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 5, 2009 in Where do I go for HELP with Part D or Medicare Issues?.

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There you can sign the Medicare Reform Petition and read the names of the other 1,000+ people who signed it and their amazing comments.  Below is just a copy of the Top 10 List on that website, but please go to the actual website and read what real people are dealing with everyday on Medicare!!!

1. Medicare cannot negotiate better drug prices with drug companies.

Why are there are NO price negotiations between Medicare and the drug manufacturers? This is the reason the prices on your prescriptions have gone up so drastically over the last few years.

Medicare should use its leverage, 44 Million Beneficiaries, to negotiate better prices. Instead, the government gave the insurance companies and drug manufacturers a blank check so that they could charge us as much as they pleased. You can only wonder how much money the drug and insurance companies must have contributed to political election campaigns. If you are still under the impression that we don’t need government regulations to stop corporate greed, you must be a CEO with your head in the clouds on your private jet.

2. Drug plans can change or cancel drugs they cover anytime, but beneficiaries cannot change their drug plans.

When you buy a medication that is not on the drug plan’s formulary and pay for it out of pocket, because you need it for survival, you cannot claim this expense toward your TROOP, True Out Of Pocket costs. Let’s assume that you have cancer and your doctor has found one particular drug that is now keeping you alive. If you choose to save your life and find a way to pay for this extremely expensive drug, this will not count toward your TROOP and help you reach the catastrophic coverage phase. If you could reach this phase, Medicare would pay 95% of your drug costs. Isn’t that so convenient for the drug and insurance companies?

No matter what the drug plan company decides to do, you are locked in for one year! They can decide NOT to cover your drugs and make you pay retail with no help. How is that for a fair and honest system? If you don’t join a drug plan or cancel your plan when you find out that your drugs are not covered, you pay a penalty of 1% per month for life! So, why is it that the cards are stacked so high in the drug and insurance companies favor? If we hand over our health care to Corporate America and let them make decisions, this is what you get.

3. Prior authorizations too complicated. Step therapy too restrictive. Quantity limits are not set by doctors, but by the drug plans.

Another way drug & insurance companies try to opt out of paying for our medication is to impose prior authorizations and step therapy. They say this is to cut down on abuse. Instead, it creates a system where the insurance companies are in control of your medications. Drug and Insurance companies are now making decisions that ONLY A DOCTOR SHOULD BE ABLE TO DECIDE. Your doctor should be the only person who decides what medication you should be taking, not an insurance company. Should your insurance company be making decisions on how much medicine you need to cure or keep your illness in check? Guess again!! We have literally given Drug and Insurance companies carte blanche with deciding who lives and who dies in this country.

4. Drug plans were designed for the benefit of insurance companies, not beneficiaries.

Medicare works great unto itself. Everyone pays into the system so that we all have a certain degree of coverage in our retirement years. When you have a system that works, but try to have it re-designed by Drug and Insurance Companies, this is what happens. WE DESPERATELY NEED TO GIVE MEDICARE BACK TO THE PEOPLE!! When Corporations own a country, people become dollar amounts on a profit statement and your life is only worth how much they choose to pay out to keep you alive.

5. MAPD (Medicare Advantage Plans with built in Drug Plans) advertising is misleading. Seniors can’t understand the differences in types of coverage.

Medicare Advantage Plans have cleaned up, sweeping in billions of our tax dollars, but giving us inferior coverage at the same time. The plans they came up with are very confusing, and a total mess. There is no network of doctors that will accept the terms of payment from the MAPD’s. Your doctor or hospital could accept your MAPD plan at one visit, and decide not to take it at the next appointment. Now, Seniors and Medicare Beneficiaries are so confused they can’t understand the differences between Original Medicare and Medicare Advantage Plans.

The drug and insurance companies purposely mislead you by saying that Medicare Advantage Plans offer more benefits than Original Medicare. They leave out the fact that someone with Original Medicare usually has a Medicare Supplement or Medigap Plan as well, whose benefits far surpass any Medicare Advantage Plan out there. You can choose your own doctors and hospitals anywhere in the country, and let your doctor decide what’s best for you, instead of some bean counter who is NOT working in your best interest, but the drug or insurance company he works for.

Why do we allow Drug and Insurance companies to deliberately create plans that are so complicated and confuse people to the point of overwhelming them? We all should understand that this is “great marketing” to take advantage of their confusion. Many times the slick salesperson will enroll Medicare Beneficiaries on MAPD plans not knowing if the plan will cover their illness or their medications. When you pay salespeople double and triple the amount to sell a certain kind of coverage, greed grows wild like kudzu covering the ground where “doing the right thing” used to prevail. Insurance Companies get rich at the expense of our health.

Another point of contention is when Independent Agencies and Salespersons ARE TRYING to do the RIGHT THING by offering plans that are BEST for each individual, they are routinely terminated and penalized by the insurance company for NOT selling what the insurance company WANTS them to SELL!!.

6. Drug Plan Comparison

shopping is supposed to begin Oct. 1, however Drug Plans do not send out ANOC (Annual Notice of Change) letters or updates on the next year’s formulary until it is too late.

Have you ever tried to find out what changes your drug plan is making for the next year’s coverage? It is like finding a needle in a haystack. You will be bombarded with tricky marketing pieces meant to confuse you, well before you receive the ANOC letter, many times too late for you to make a reasonable decision. Insurance companies have almost made these ANOC letters their last priority because they don’t want the beneficiary to change their drug plan. If every senior in America actually took the time to get a comparison of Part D plans Nov. 15th through Dec. 31

and make sure they were on the drug plan that would save them the most money while covering all their drugs each year, the drug plans would be losing money. The drug and insurance companies have made this task so daunting and confusing, seniors just give up.

7. Unacceptable Two year waiting period for people on Social Security Disability.

Imagine being 55 and becoming disabled due to an illness or accident. You lose your job and insurance. You finally begin to receive your Social Security benefits, but they tell you that you will HAVE NO HEALTH COVERAGE FOR 2 YEARS! WHAT??? Many people’s health gets worse, ultimately costing the tax payer billions more in health costs, or they pass away before they can become eligible for Medicare Health Coverage in the United States of America. Ever heard of “nipping it in the bud”? It seems Medicare wants to eliminate the problem before they have to fix it.

8. Dreaded Donut Hole causes beneficiaries to stop taking needed medications.

Studies have shown that seniors in the “dreaded donut hole” STOP taking needed medications because they must literally choose between food and filling prescriptions. That is no exaggeration folks! We used to say “SURVIVAL OF THE FITTEST”, but the insurance and drug companies have changed that to “SURVIVAL OF THE RICHEST”.

All Medicare Part D Beneficiaries receive $2,700 dollars WORTH (retail prices determined by each drug plan) of medications each year before they fall into the “dreaded donut hole” and MUST AGAIN PAY THE INFLATED RETIAL PRICES for their prescriptions with no help. When just one 30 day supply of some medications is so expensive, you can see how quickly that would add up. This causes the sickest of us to be unable to purchase needed medications.

One important way you can STAY OUT OF THE “DREADED DONUT HOLE” is to buy generics NOT USING OR MAKING A CLAIM ON YOUR DRUG PLANS. Pharmacies have begun telling Seniors that this is illegal. IT IS NOT ILLEGAL TO PURCHASE GENERICS OFF YOUR DRUG PLAN. IT IS YOUR RIGHT! Your co-pays may seem small for a generic; however the drug plan dings you up to $40 or more, pushing you into the donut hole much quicker. This inflated amount goes toward falling into the donut hole, not your co-pay charges! You can see how NOT using your drug plan for these generics could keep you OUT of the donut hole even longer each year saving you more money. Some Pharmacies won’t allow beneficiaries to purchase generics OFF their drug plans forcing them into the donut hole. The reason is that pharmacies do not get as much reimbursement if you pay without making a claim. Please, don’t let this happen to you! Let the pharmacy know YOU HAVE THE RIGHT TO CHOOSE WHETHER OR NOT TO FILE A CLAIM!

9. Drug Plans constantly passing the buck to Medicare for sorting out problems due to miscommunication and clerical errors.

Many people on Medicare have to wait months to get their drug plans to go into effect. No, it is not because they did not meet the enrollment guidelines. It could be because the drug plan procrastinated in submitting their enrollment to Medicare due to a clerical error and now tells the Medicare beneficiary their enrollment period has lapsed and are no longer eligible. The Beneficiary then goes back and forth between the insurance company and Medicare trying to correct a simple problem that seems uncorrectable. Medicare will tell them that the drug plan has not sent in their application for processing, the drug plan will say that Medicare will not approve the application due to inconsistency of a Medicare Claim number or date of birth on their records. How could such a simple problem keep someone from receiving health care and drug coverage? When did clerical errors become more important than a human life?


LIS or Limited Income Subsidy Programs are the BEST KEPT SECRET of Medicare.

Many people could be saving thousands of dollars, but are never told about the Low Income Subsidy Program.

You would not believe how many people go to the local Social Security office asking for help and are never told about “extra help” programs. Many people who could quality do not even know they exist. The drug or insurance companies certainly don’t talk about it. You would be hard pressed to find a salesperson that would take the time to explain or educate their customers.

We know of thousands of people across the nation in Mental Health Facilities, Nursing Homes, Hospitals, etc…that have never been asked if they have applied for extra help or been told there is such a program. For months or sometimes years, the Facilities or their families have had to absorb the costs for these medications. However, even if someone finds out and is enrolled on a LIS program, many times the very drugs they need are not covered by the particular drug plan they were assigned. WHY? Medicare will arbitrarily assign a drug plan without checking to see if your drugs are covered by the plan. The drug company does not care if your drugs are covered. People must know to check for themselves. Since these plans are so confusing they cannot understand all the complicated formularies of drugs covered by each of the more than 50 drug plans available in each state, all with different pricing.

As you can see, Medicare needs to change and reform their policies. Please take time to email your local, state and national officials with this Top Ten List.

Pass it on to everyone you know, even if they are not using Medicare, their parents or friends could use this valuable information.

During the next few months the drug and insurance companies will begin to FIGHT to keep things as they are so they can continue to manipulate and control our very right to pursue health and happiness in these United States of America. Let them know you are not going to take it anymore.

Top 10 Things Wrong With Medicare

Sponsored by www.MyPartDusa.com/blog

@copyright 2009

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 May 27, 2009 in Where do I go for HELP with Part D or Medicare Issues?.

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First, I would like to THANK the over 800 of you that have already gone to the site and signed the petition to FIX MEDICARE! Many of you also left comments that are invaluable to getting something done about reforming Medicare benefits.  We would also appreciate any of you sending this to all your friends and people you know that could help us as well.  If you know someone who could get this published or someone who could draw attention to this website, please write to me kblake@mypartdusa.org.

This webiste was donated by a website company, MEDIUM.  It is completely not for profit!  Even the doctors who gave us Testimonies did so at no charge.  This petition will be sent to every government official and newspaper editors, but it is hard to get it to the right person.  If any of you know a better way, please let me know!


I WANTED TO ACTUALLY TRY TO DO SOMETHING!  I get emails and phone calls everyday from people trying to get their medications covered and have all kinds of other issues, sometimes I can help them, but many times my hands are tied by the drug and insurance companies.

If I can’t help you, I usually tell you to call Medicare directly.  Sometimes you may have to call several times until you get a person that is willing to help you.  Also you can contact the www.MedicareRights.org or call them at 800-333-4114.  They have free lawyers and counselors that can help you.

If you belong to a Union or group, you could send this website address out to all of them to get more signatures.  THE MORE PEOPLE SEE IT AND SIGN IT, THE MORE ATTENTION WE CAN GET FROM THIS EFFORT!


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 May 19, 2009 in Where do I go for HELP with Part D or Medicare Issues?.

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