TOP 4 QUESTIONS TO ASK YOUR MEDICARE COVERAGE REPRESENTATIVE
I’d like to say “Thank YOU”, to everyone who has written in to me the last week or so with all the kind and thoughtful words of appreciation for the BLOG. It means so much to me that you have found the information helpful.
My Part D USA’s main objective is to be a useful resource for helping you make good decisions regarding your Part D drug plans and health coverage during this confusing time of decision making.
Medicare has become more confusing the last few years and I get letters everyday from people telling me how hard it is to know the best thing for them. We are not in competition with anyone else that you may talk to about Medicare. Our #1 goal is to equip you with he most comprehensive information we have available from our many years of service to Medicare benficiaries, and tell you things that you may not hear from other salespeople.
I have found that you can be honest and work for the people and still make a living in this dog eat dog economy. So many companies try to be successful doing what is best for them, instead of what is best for others. I don’t understand that mind set. To me it seems so much easier to just do the “right thing”.
No matter who you choose to work with to get your drug plan and health coverage, please take the advice on the BLOG to heart. We wish everyone involved with Medicare enrollments the very best, it is not to our advantage to downgrade anyone. I just wanted to pose questions that you should ask and then it is up to you to evaluate what you consider best for you!! Now you know what questions to ask and what to look for, no matter where you go or who you talk with for your enrollment needs.
Questions to ask your healthcare rep:
1. Can you give me a Part D Plan comparison of plans based on my individual prescriptions and show me the actual co-pays and premiums of each plan to save the most money? There are at least 50 plans in each state, all with different co-pays for each drug.
2. Do you have a comparison of Medicare Supplement prices for several companies in my State? Remember all the benefits will be the same, don’t get sold on a company name.
3. What is the comparison between a Medicare Advantage Plan against staying on Original Medicare combined with a Medicare Supplement and a Stand Alone Part D Plan? Remember, if they tell you that a Medicare Advantage Plan is better than Original Medicare, that is not the comparison you need!! If you are considering joining a Medicare Advantage Plan, remember that you may not be able to get anything else after your 63 days of open enrollment without going through underwriting and possibly getting turned down for health reasons.
4. If you are talking to me about joining a Medicare Advantage Plan with a built in Part D drug plan, can you give me a comparison of the stand alone plans to make sure the MAPD’s plan will save me the most money and cover my drugs?, or can I get a Medicare Advantage plan and still have my choice of Part D drug plans? Remember, if you really want a Medicare Advantage plan, even after all my warnings, you need to get one that does NOT have a built in Part D plan, so at least you can save the most on your drugs.
You need Two Different Policies:
1. Lowest Price Med Sup Policy
2. Part D drug plan that covers meds at lowest prices
Again, I thank you for reading the blog. Just let me know if you need a copy of the Walmart list for $4 generics.
