Are you satisfied with the plan you have now?
IF YOU JOINED
A PLAN AND ARE NOT HAPPY WITH YOUR SAVINGS, WE CAN
RE-EVALUATE YOUR DRUGS AND MAKE A CHANGE FOR YOU.
Just fill out the worksheet and we will do our
cross-comparison and send you the results.
It is time once again to begin considering Part D Plans. If
this is your "first year" there are lots of different plans
to choose from and vary by state. Many of you have had
changes in the medication you are taking. This can make a
huge difference in the Part D Plan that would be best for
you. We may also be able to find a plan that does not have
the $265 deductible and help through the donut hole, saving
you even more money. Please take a moment to fill out the
worksheet and get your free evaluation.
1. Are my drugs covered on the plan?
2. Will I have the lowest co-pay and premium?
We can help you answer these very important questions. We have complied a master formulary comparison list to cross check, insuring you get the information you need to make the best decision about your drug plan.
If you are ready to retire and are
looking for your Medicare Supplement and Prescription Drug
Plan, or shopping for a Medicare Advantage Plan that
includes a PDP, we can help you at ANY TIME OF THE YEAR
during your open enrollment.
Coverage begins January 1, 2007 for anyone signed-up by December 31st, 2006. Anyone can join a PDP as long as they are enrolled in Medicare Part A and/or Medicare Part B. These drug plans are regulated by the Centers for Medicare. After the first year, you can change your plan each year between November 15th and December 31st.
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This is the first time Medicare has offered a prescription drug benefit. Even if you are not currently spending a great deal out-of-pocket for drugs, the government is encouraging you to join a PDP as soon as you are eligible. WHY? Because there is a strong probability that as you get older your cost for prescription drugs will increase. In addition, there is a penalty of 1% per month for joining after the open enrollment period between November 15th, 2006 and
December 31, 2006.
October 1, 2006 -
Medicare Part D Prescription Drug plan
shopping can start gathering information and evaluate Part D
November 15 to December 31, 2006
- Here is your chance to join a Part D plan for
2007. If you are happy with the plan you joined for 2006,
there is no need to do anything. You will automatically be
re-enrolled on the plan you have in force.
Keep in mind that whatever decision you make cannot be
changed again until, November of 2007, to go into effect for
2008. So, if you want a second opinion, get it NOW!
January 1, 2007 -
Your 2007 Medicare Part D plan becomes effective and you
will be able to begin using your Part D benefits.
January 1 to March 31, 2007 -
Special Enrollment Period
or (SEP) begins. This SEP is available for those people who
enrolled into a Medicare Advantage Plan with a Prescription
Drug Plan. If you would like to get information
about the differences between traditional Medicare
Supplements with a separate PDP and the Medicare Advantage
Plans with a built in PDP, please fill out the worksheet or
call us directly. We can give you the valuable
information you need to make the best decision!
CHANGES IN THE STANDARD MODEL
FOR MEDICARE PART D PLANS
From $250 in 2006 to $265 in 2007
COVERAGE LIMIT: From
$2,250 in 2006 to $2,400 in 2007 (beginning of donut
OUT OF POCKET THRESHOLD:
From $3,600 in 2006 to $3,850 in 2007
FOR YOUR PROTECTION
Please remember to
never email your Social Security Number, unless you are sure
you are on a secure site, like our LifeLock Identity Theft
Enrollment page. You will notice that we do not ask you for
this information on our worksheet.
EVERYONE IS ELIGIBLE!!!
No matter what your income Medicare prescription drug coverage is insurance that covers both brand-name and generic prescription drugs at participating pharmacies in your area. A typical person with Medicare and no drug coverage could see total drug costs drop by about 50%.
You MUST join Part D for coverage to begin. The sooner you join, the sooner your coverage will begin…and the sooner you start saving money!!! You can pay your premiums by deducting them from your Social Security check just as you do your Part B premiums, or pay them through a bank draft.