Don Not Despair – There are still good and honorable Insurance Agents out there!!

We hear everyday of situations where our Senior Citizens have been taken advantage of and outright lied to concerning their Medicare Benefits. It is such a shame that some unscrupulous agents make it so much harder on the rest of us that truly care about people! You have heard that saying “ONE BAD APPLE DOESN’T SPOIL THE WHOLE BUNCH”, however, in this case there may be more than one bad apple, just don’t throw out the babies with the bath water!!!

There are many state SHIP offices(State Health Insurance, I have all those numbers listed on this blog in each state) that are non-profit, and you can call them for help and, of course, people can call Medicare directly to enroll on drug plans. These people work very hard to keep you informed and do so with only your best interests in mind.

At My Part D USA we specialize in helping seniors and people on disability understand their choices of Medicare Drug Plans and health care coverage policies. We work for the PEOPLE NOT THE INSURANCE AND DRUG COMPANIES! We take into consideration what your circumstances are and how you can best be served by Medicare. We do not sell any particular plans based on commissions as all our Senior Consultants are paid the same NO MATTER WHICH PLAN THEY RECOMMEND FOR YOU!!! They have no reason to mislead you because of being paid more for this plan or that plan. We designed it that way to make sure the Senior Citizens needs come FIRST!!!

This may be an unusual way to do business for insurance, but I can assure you, when you put the needs of people before money, you make life long connections that insure TRUST!

We cannot claim to be totally non-profit because it does cost money to keep these websites going and Senior Consultants paid. However, all our free drug comparisons and our advice and helping you enroll on Federal Drug Assistance Programs is at no charge and for the benefit of anyone on Medicare or anyone helping their parents or friends or family members. We do have some advantage over non-profits in that we know the ins and outs of these insurance and drug companies because we work with them everyday. We can advise you on which ones pay their claims promptly and which ones are harder to deal with, such as their customer service depts, and also which ones will charge you the least amount of money for the exact same benefits!

A Non-Profit Care Manager writes: “I work with low-income elderly and disabled clients. They are subjected to fraudulent marketing practices by virtually all the insurance companies. They get mail and calls to their homes repeatedly with very pushy sales people trying to make a commission. People feel angry, betrayed and embarrassed when they realize they have been victimized by an insurance company. Many times their doctors will not accept the plans they were tricked into joining.”

There are many issues about the drug plans and Medicare Advantage Plans marketing tactics that need to be addressed. We hope in the next election we get someone in the White House that will be more aggressive in making these changes. Seniors are so confused and WHO WOULDN’T BE?? We have been doing this for years and we have to keep on top of it daily to make sure we are giving you the right information.

Our best advice to you as consumers in this very confusing time, and with many different sales people telling you things you may not be able to believe about Medicare Advantage Plans, PLEASE, PLEASE, make sure you know what you are getting yourself into before you join anything. DO NOT GIVE OUT YOUR MEDICARE CLAIM NUMBER OR SIGN ANYTHING BEFORE YOU TRIPLE CHECK TO SEE WHO YOU ARE TALKING TO AND WHAT PLANS THEY ARE TRYING TO SELL YOU. THEY MAY ASK YOU TO SIGN SOMETHING THAT DOES NOT EVEN LOOK LIKE AN ENROLLMENT FORM AND TELL YOU THIS IS TO GET YOUR PERMISSION FOR HEALTH INFORMATION. DON’T SIGN ANYTHING UNTIL YOU ARE ABSOLUTELY SURE YOU WANT TO JOIN A PLAN!!

We get calls all day long with people saying they were enrolled on Medicare Advantage Plans and did not even know it was happening!

IMPORTANT INFORMATION YOU MAY NOT YET KNOW ABOUT:

GOOD NEWS!! YOU ARE NOT STUCK WITH THE PLAN YOU HAVE IF YOU DO NOT LIKE IT. YOU HAVE 12 MONTHS FROM THE TIME YOU JOIN AN ADVANTAGE PLAN TO GET BACK ON ORIGINAL MEDICARE AND A TRADITIONAL MEDICARE SUPPLEMENT WITH NO UNDERWRITING, NO HEALTH QUESTIONS. YOU DO NOT HAVE TO WAIT UNTIL ANY OPEN ENROLLMENT PERIOD OR SPECIAL TIME TO DISENROLL.

You can call us to find out about your choices. We will explain exactly how the Advantage Plans, Traditional Supplements and Drug Plans work and discover which ones will be the best plans for you. As I have said before, if you can afford the premium on a Traditional Supplement, you will save yourself many headaches by KEEPING IT!!

OUR TOLL FREE NUMBER IS: 866-752-1795

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 March 19, 2008 in Where do I go for HELP with Part D or Medicare Issues?.

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