I AM GETTING SO MANY CALLS AND EMAILS FROM PEOPLE WANTING TO KNOW WHEN THEY WILL FALL INTO THE DONUT HOLE AND THEY ALSO WANT TO KNOW WHAT THE YEARLY TOTALS ARE ON THE DRUG PLANS IN ORDER TO MAKE A SELECTION.
FOLKS, ALL YOU NEED TO WORRY ABOUT IS SAVING THE MOST ON YOUR MEDICATIONS UP TO THE “DREADED DONUT HOLE”. YOU NEED TO FIND A PLAN THAT WILL SAVE YOU THE MOST ON YOUR PREMIUMS AND CO-PAYS ON THE FIRST $2,700.
gone with the wind free
AFTER YOU HIT THE “DREADED DONUT HOLE” YOUR DRUG PLAN IS USELESS……..UNLESS!!! UNLESS, YOU WILL MAKE IT TO THE 95% CATASTROPHIC COVERAGE. THEN YOU COULD USE ANY DRUG PLAN AT ALL BECAUSE THE MAIN FOCUS WOULD BE TO GET TO THE 95% COVERAGE AS QUICKLY AS POSSIBLE. THE OUT OF POCKET LIMITS ARE ALL THE SAME ON ALL THE DRUG PLANS, SO YOU JUST NEED TO GET TO THE 95% COVERAGE FAST!
THE REST OF YOU WHO WILL FALL INTO THE “DREADED DONUT HOLE” TO NEVER GET OUT FOR THE YEAR, SHOULD STOP….STOP.….STOP USING YOUR DRUG PLAN CARD. THAT IS THE WHOLE POINT OF MY SERMONS ON BUYING YOUR DRUGS ANYWHERE YOU CAN FIND THEM CHEAPER, INCLUDING ORDERING THEM FROM OTHER SOURCES FOR A LOWER PRICE!
YOUR DRUG PLAN WOULD LOVE FOR YOU TO CONTINUE TO PURCHASE ALL YOUR MEDICATIONS WHILE YOU ARE IN THE DONUT HOLE USING YOUR DRUG PLAN CARD. MANY TIMES THEY RAISE THE RETAIL PRICE TO MAKE UP FOR THEIR LOSSES WHILE YOU WERE PAYING THE LOWER CO-PAY AMOUNTS.
MY ADVICE IS HERE TO HELP YOU MAXIMIZE YOUR SAVINGS ON DRUGS!!! SOMETIMES THAT INCLUDES USING YOUR DRUG PLAN CARD, AND SOMETIMES IT DOES NOT. WHEN YOU COMBINE THESE TWO WAYS TO SAVE MONEY, THAT IS THE BEST WAY TO GO. USE YOUR PART D DRUG PLAN FOR THE FIRST $2,700. DO NOT BUY YOUR GENERICS ON YOUR DRUG PLAN BEGINNING JANUARY 1, 2009. THIS WILL LEAVE MORE MONEY IN THE POT TO PAY FOR YOUR MORE EXPENSIVE MEDICATIONS USING YOUR DRUG PLAN CARD. THIS WILL KEEP YOU OUT OF THE DONUT HOLE LONGER NEXT YEAR.
ONCE YOU HIT THE “DREADED DONUT HOLE” YOU CAN PUT YOUR DRUG PLAN CARD IN A DARK PLACE. HA!! YOU MUST BEGIN SHOPPING AROUND FOR THE LOWEST PRICES AT THIS POINT. YOU CAN GO ONLINE TO ORDER THEM FROM MANY DIFFERENT SOURCES TO SAVE THE MOST MONEY YOU POSSIBLY CAN.
MY WHOLE POINT OF BEING HERE IS TO HELP YOU MAKE THE MOST OF YOUR BENEFITS, NOT TRY TO GET YOU TO BE LOYAL TO YOUR DRUG PLANS, BECAUSE YOUR DRUG PLANS ARE CERTAINLY NOT LOYAL TO YOU!!!
I HOPE NOW YOU GET THE COMPLETE PICTURE….. I AM TRYING TO HELP YOU. PLEASE LET ME KNOW IF THIS IS A BETTER EXPLAINATION OF MAXIMIZING YOUR DRUG PLAN AND HELPING YOU UNDERSTAND THAT THE RETAIL PRICES DURING THE DONUT HOLE ARE IRRELIVANT IN CHOOSING THE BEST PLAN FOR YOU IN 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 November 19, 2008 in Drug Savings Tips.
