Posted on 05/06/2006 8:46:56 AM PDT by Salvation
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Do not enroll with **AARP**. They are a left-leaning, Bush-bashing organization.
I suggest that all who have note enrolled call their Senior Services Division in their state. They have people standing by to offer assistance..............and they give an unbiased chart from the least expensive plan to the more expensive plans.
I was able to enroll on this last Thursday and my Plan D coverage will begin on June 1st!
Was this the most important thing he could have talked about today?
George is very, very proud of expanding the welfare state of his model predecessors, FDR and LBJ.
Some time in 2007 Bush will have to give a speech explaining how drug companies, who have raised the cost of drugs due to the fact thay are now unofficially on the govt. dole, are not the bad guys because they are being subsidized by his great Medicare Drug plan.
I am one who has not yet signed up. My current Lipitor is $54.00 per month to me after my co-medical insurance plan chips in $6.00. Under their plan I would pay $28.00 a month with a $250.00 deductible each year. And then I don't know how much of the $54.00 would be covered.
I remember how medical care and prescription drugs were affordable by everyone until the government went into the business with Medicare. Look for the same thing to happen with prescription drugs. They are extremely high now, but just wait!
It sounds like you have a wonderful prescription coverage plan and really don't need this.
Yes, with one week away and considering all the Bush Bashing Medicare D crap that has been spread, Yes!!! Because it has been very confusing to some seniors and it should not have been and it isn't confusing!
I understand Medicare D does not have a 250.00 deductible - your coverage starts immediately, with a co-pay ----- then when you reach $2,??? (it is between 2000 and 3000) there is what the dems are calling a 'donut hole' you pay all out of pocket until you reach $3,600 then it goes to 95% govt and 5% self.
At least that is what my Medicare D plan is with a $22.00 monthly premium.
Would I prefer to not have the govt. involved, yes!!! but they are!!!!
Would you mind telling me what plan you've enrolled in please?
I just called Medicare to make certain I understand enough to share my understanding of the Medicare D plan
Medicare #1800 -633-4227 after you have established you want to talk drugs -- say live person or person or talk - until you get a person to talk with. I had a doll! and she cleared up some misconceptions I had.
Just before I turned 65 I recd information from AARP
My dislike for AARP almost kept me from responding, but their power behind them and the information I got from my sister-in-law decided me to call.
I knew I wanted Fee For Service.
No reason to cut off my nose to spite my face ....
In Hawaii AARP negotiated with United Healthcare.
Blue Cross, Humana, and Aetna are other health ins. co
But it is important to remember cost vary in areas due to population,cost,demand.
I chose United Healthcare for my supplemental - plan J - which included a drug program. $250. deductible and a ceiling of around $3,000. Then it stopped for good until the next year.
Then, I believe, congress ruled all medicare must carry drug insurance. Hence the birth of D.
So AARP negotiated here and I ended up closing out the drug portion of my supplemental plan J and opting for Medicare D.
The government does NOT pay. United Healthcare will be billed. BUT my premium can be deducted from my sos check if I choose.
Sooo what did it get me -------
My drug portion of J was almost $60.00 per month
My Medicare D will be just under $23.00 (that varies from area to area even with United Healthcare but I think the range is just under $23. to under $34.00)
It is my understanding that all
there is no deductible with Medicare D, a co-pay, depending upon the drug, with Ins paying 100% until you reach $2,200something, then Ins. stops until you have paid aprox $1,200 out of pocket reaching $3,600 and then Insurance again kicks in paying out 95% and you pay the 5% --- that is the do-nut hole you hear about.
I'm open to be corrected!!
God bless you, malia, for taking the time to help me. I will call the number you gave me on Monday. Thank you so much for taking the time to explain all this to me.
What happens if you have to get more expensive medications in the future? Just something to think about.
**and it isn't confusing!**
Absolutely not! I think it only took me 30-45 minutes with the lady at Senior Services in my state.
Everyone needs to call and make an appointment.
Thank you!
what did you find out?
Well, I am signing up with my Blue Cross supplemental insurance for my medicare D plan. There is a deductible of $250.00, but it works out that there is a small savings in the few prescriptions I have. I spent all of Monday either on the phone, or at SS ofice until I was convinced of what I should do. Everyone has been most helpful, including you. Thank you again for getting me off the dime. God bless. p.
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