Re: Is Medicare D a disaster ?


"Gary James" <gnjames43@xxxxxxxxx> wrote in message
news:3ld96219nshbiud69r5rgsm99o55fchqma@xxxxxxxxxx

I'll be eligible for Medicare in a few months so I ordered a couple of
booklets on the subject. I've been wading through the part D and I've
come to the conclusion that it's a disguised Welfare plan for the
Insurance industry.

If it were intended to help us seniors, why would there be 40 plans
just for Georgia ? If it were to help us, why wouldn't there be
just one plan and all claims would be sent to Medicare ?

This is really beyond my understanding. One plan has a premium of
$100 a month and another has a premium of $10 a month. To me that is
a no brainer.

I have insurance (BC&BS) and my understanding is that I will not have
to sign up for part D. But what if I lost that insurance in
future years ?

Has anyone run into problems with this ?

For instance if I wanted to sign onto plan #40 with a $10 premium and
a $250 deductible, will it be as good as plan # 21 with a $90 premium
and no deductible ? And if it's a government plan, why the co-pay
?

I think it must be more for business than for us because of the usual
tactics being used to scare us into acceptance whether we need it or
not. There is the threat that our future premiums will be a lot more
if we don't hurry and get aboard.

As others here will tell you, don't be put off with the first time around.
There are many factors to consider, so don't stick with premium costs alone.
I did a lot of investigation and have come up saving a lot of money. There
are glitches, as with anything, but with asking a lot (!!) questions and
making calls or going to meetings has been helpful for many. It will,
hopefully, improve over time, but it can save money even now. It takes
time, perserverence, and hard work on your part, but you are the one who has
to be satisfied and the one who really needs to make sure it turns out for
you. With the formulary, for instance, there are ways to appeal for drugs
that aren't covered with a doctor's petition for why the particular drug is
the one that is truly needed, etc,etc.

Good luck in your endeavors.


Norma



.

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