Q and A – HOW TO CHOOSE THE BEST PART D PLAN FOR 2009
QUESTION: I HAVE BEEN SEARCHING ONLINE TO FIND THE BEST PLAN FOR ME AND MY WIFE FOR 2009, WHICH ONE DO YOU RECOMMEND?
ANSWER: THE MOST IMPORTANT THING TO REMEMBER IS TO GET A DRUG PLAN COMPARISON BASED ON EACH INDIVIDUAL PERSONS MEDICATIONS. THE PLAN THAT IS BEST FOR YOU MAY NOT BE THE BEST ONE FOR YOUR WIFE. NEVER JOIN A PLAN WITH ANYONE UNLESS YOU FIRST FIND OUT IF THAT PLAN WILL COVER EVERY MEDICATION YOU TAKE. THEN, LOOK AT THE PREMIUMS AND CO-PAYS……NEVER CHOOSE A DRUG PLAN BASED ONLY ON THE PREMIUM. Space Cowboys divx MANY CHEAPER PREMIUM PLANS DO NOT HAVE A COMPREHENSIVE FORMULARY AND MAY NOT COVER THAT MANY MEDICATIONS. YOU MUST CHOOSE A PLAN BASED ON THE CO-PAY AMOUNTS FOR YOUR DRUGS. THAT IS WHERE THE REAL SAVINGS LIES. YOU COULD GET A PREMIUM THAT IS ONLY $25 A MONTH BUT YOUR CO-PAYS ARE MUCH HIGHER SO THAT ANY SAVINGS YOU SEE ON THE PREMIUM WILL BE EATEN BACK UP BY THE HIGH PRICES ON THE CO-PAYS. ALSO, YOU NEED TO CHECK THEIR MAIL ORDER PRICES. SOME PLANS HAVE VERY GOOD DISCOUNTS FOR YOU ON MAIL ORDER.
YOU CAN USE OUR COMPARISON AT WWW.MYPARTDUSA.COM
OR YOU CAN GO TO WWW.MEDICARE.GOV AND GET THE INFO YOU NEED TO MAKE THE BEST DECISION.
QUESTION: Dust Devil
I HAVE BEEN TRYING TO FIND OUT WHEN I WILL HIT THE DONUT HOLE IN 2009. HOW DOES THIS AFFECT WHICH DRUG PLAN I SELECT?
ANSWER: NO MATTER HOW HARD YOU TRY YOU COULD ONLY COME UP WITH AN APPROXIMATE TIME YOU WOULD FALL INTO THE “DREADED DONUT HOLE” AT BEST, BUT PLEASE TAKE INTO CONSIDERATION THAT IF YOU FALL INTO THE “DREADED DONUT HOLE” AND KNOW YOU WILL NOT GET TO THE 95% CATASTROPHIC COVERAGE, YOU NEED TO STOP USING YOUR DRUG PLAN THE MINUTE YOU FALL INTO THE “DREADED DONUT HOLE”. Wendy Wu: Homecoming Warrior dvd AT THIS POINT, YOU NEED TO SHOP ANYWHERE YOU CAN FIND YOUR DRUGS CHEAPER OR ORDER THEM FROM SOMEPLACE THAT HAS A LOWER PRICE. MANY TIMES THE PRICES YOU ARE CHARGED DURING THE “DREADED DONUT HOLE” WILL BE HIGHER THAN IF YOU DID NOT USE YOUR DRUG PLAN. SO, PLEASE, SHOP AROUND!!!
Bleach: Memories of Nobody full
QUESTION: I’VE HEARD ABOUT BUYING GENERICS OFF THE DRUG PLAN, WHY SHOULD I DO THAT WHEN I CAN GET FREE GENERICS ON MY DRUG PLAN?
ANSWER: IF YOU KNOW YOU WILL NOT BE USING THE 95% CATASTROPHIC COVERAGE FOR THE YEAR…BEGINNING JANUARY 1, 2009 STOP BUYING YOUR GENERICS ON YOUR DRUG PLAN
. YOU CAN GO TO WALMART OR OTHER LARGE RETAILERS AND BUY YOUR DRUGS NOT USING YOUR DRUG CARD.
THIS WILL KEEP YOU OUT OF THE “DREADED DONUT HOLE” LONGER IN 2009. EVEN THOUGH YOU MAY BE GETTING YOUR GENERICS FREE OR AT A LOW PRICE WITH YOUR CO-PAY, YOUR DRUG PLAN DINGS YOU A MUCH HIGHER AMOUNT THAT GOES TOWARD YOUR FALLING INTO THE “DREADED DONUT HOLE”. YOUR DRUG PLAN MAY ACTUALLY BE CHARGING YOU $20, $30, OR $40 FOR YOUR GENERIC. Taking Woodstock movie download
Class of 1999 movie THIS ONE TIP CAN KEEP YOU OUT OF THE DONUT HOLE LONGER BY KEEPING MORE MONEY IN THE POT TO PAY FOR YOUR EXPENSIVE MEDICATIONS ON TIER 2 AND TIER 3.
QUESTION:
WHAT DO I NEED TO BE MOST CONCERNED WITH IN CHOOSING A DRUG PLAN?
ANSWER: The Nutty Professor release THE THING YOU WANT TO BE MOST CONCERNED WITH IS SAVING THE MOST MONEY POSSIBLE ON YOUR PREMIUM AND CO-PAYS UP UNTIL YOU REACH THE “DREADED DONUT HOLE” AT $2,700. THEN IF YOU WILL REACH THE CATASTROPHIC COVERAGE, GET THROUGH THE DONUT HOLE AS QUICKLY AS POSSIBLE, SO YOU WILL BEGIN TO GET THE 95% COVERAGE ASAP!!!
IF YOU WILL NOT EVER GET TO THE CATASTROPHIC COVERGE, YOU REALLY DON’T NEED TO WORRY ABOUT THE “DREADED DONUT HOLE” EXCEPT TO KNOW THAT YOU NEED TO STOP USING YOUR DRUG CARD TO MAKE PURCHASES. REALLY, FOLKS, GO ANYWHERE YOU CAN FIND YOUR MEDS AT A LOWER PRICE.
YOU MUST CONTINUE TO PAY THE PREMIUM ON YOUR DRUG PLAN OR YOU WILL GET THE 1% PER MONTH PENALTY ADDED TO YOUR PREMIUM FOR LIFE, BUT THERE IS NO NEED TO PAY MORE FOR YOUR MEDICATIONS THAN IS ABSOLUTELY NECESSARY!!! Murder by Numbers hd
PLEASE READ MY OTHER BLOGS ON HOW TO MAKE CERTAIN YOUR $4 GENERICS PURCHASED OFF YOUR DRUG PLAN DO NOT GET ADDED TO YOUR PLAN. Mars Attacks! on dvd I TALKED TO A LOCAL PHARMACIST WHO TOLD ME HOW TO DO THIS. MANY TIMES PEOPLE WILL TELL THE PHARMACY NOT TO ADD THIS ON THEIR PLAN, BUT IT GETS ADDED TOWARD THEIR DONUT HOLE ANYWAY!! YOU MUST FOLLOW MY DIRECTIONS!!!
MY PRAYER IS THAT ONE DAY THE NEXT ADMINISTRATION WILL SEE THAT THE PART D DRUG PLANS AND THE MEDICARE ADVANTAGE PLANS WERE NOT WRITTEN WITH THE MEDICARE BENEFICIARIES BEST INTERESTS IN MIND, BUT THOSE OF THE INSURANCE COMPANIES.
PLEASE WRITE TO ME IF YOU HAVE ADDITIONAL QUESTIONS AND I WILL TRY TO ANSWER AS MANY AS POSSIBLE. I WILL ALSO ANSWER THEM IN THIS BLOG. DUE TO THE NUMBERS OF EMAIL I GET EACH DAY I AM SORRY, BUT I CANNOT RESPOND TO EVERY ONE OF THEM DIRECTLY TO YOU. BUT PLEASE KNOW THAT I CARE ABOUT EVERY PROBLEM AND CONCERN I RECEIVE AND WILL TRY MY VERY BEST TO FIND AN ANSWER FOR YOU.
THANKS TO EVERYONE OF MY READERS!! KARYN
