DRUG PLAN PENALTY

NOVEMBER 15TH THROUGHT DECEMBER 31ST 42 MILLION SENIORS AND DISABLED CITIZENS ARE NOW ELIGIBLE TO CHANGE OR JOIN A PART D PLAN FOR THEIR PRESCRIPTIONS. DO YOU SPEAK MEDICARE PART D? SENIORS HAVE BEEN WAITING FOR HELP WITH THEIR PRESCRIPTION DRUGS FOR YEARS AND NOW THAT THEY HAVE SOME HELP THEY MUST SURVIVE THE JUNGLE OF JARGON AND CONFUSING OPTIONS THAT ARE MAKING THIS NEW BENEFIT HARD TO COMPREHEND.

IF YOU WERE ELIGIBLE AND DID NOT JOIN A PART D PLAN LAST YEAR IN 2006, YOU WILL PAY A PENALTY OF 1% PER MONTH TO JOIN. NONE OF US KNOW WHAT THE FUTURE HOLDS, AND EVEN THOUGH YOU MAY NOT TAKE ANY MEDICATIONS NOW, YOU WILL HAVE COVERAGE WHEN YOU NEED IT.

WE HAVE RECIEVED SO MANY CALLS AND EMAILS FROM SENIORS UPSET THAT THEY CANNOT GET ON A DRUG PLAN DURING THE LOCK OUT PERIOD. THE ONLY TIME DURING THE YEAR YOU CAN JOIN OR CHANGE IS NOV. 15 THRU DEC. 31ST. THEY SAY THAT THEY DID NOT NEED MUCH MEDICATION AND THOUGHT THEY DIDN’T NEED A DRUG PLAN, HOWEVER, A HEART ATTACK OR A DIAGNOSIS OF CANCER CAN RADICALLY CHANGE YOUR NEEDS FOR PRESCRIPTIONS. THEN THEY ARE SO WORRIED THEY CANNOT GET ON A PLAN AT THAT TIME. THEY HAVE VERY HIGH DRUG COSTS AND HAVE NO HELP IN PAYING FOR THEM. THAT IS WHY WE TELL SENIORS TO CHOOSE A DRUG PLAN JUST IN CASE THEY BECOME ILL AND NEED NEW MEDICATIONS. WE ALSO COUNSEL THEM TO FIND A VERY LOW COST PLAN. IF YOU ARE NOT CURRENTLY TAKING MANY MEDICATIONS YOU DON’T NEED AN EXPENSIVE DRUG PLAN. BUT DON’T PUT OFF JOINING ONE ALTOGETHER!

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 September 26, 2007 in Drug Plan Enrollment.

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