I have heard that the new medicare drug plan is a joke. Can I get good coverage with this plan.
121269
Many, espcially seniors don't like the new plan because it does not cover their medicines as it did before.
637521
It all depends on your situation.  Some people are benefited by Medicare part D, and some people are harmed by it.  I work with a lot of people that are harmed by it.  In fact with the hundreds of people I have assisted with Medicare part D, I can think of 2 people that were helped by it.  \n\nI have seen people automatically enrolled in a plan that does not cover their meds, or worse, they were automatically enrolled in a plan that made them ineligible for their health insurance.  I have seen people in two plans, because when they enrolled in a plan that covered their meds, the plan the government enrolled them in did not dis-enroll them. I have seen people that did not have to pay co-pay in the past because they had very low income now having to pay the co-pays, unless their pharmacy decides to waive it. I have seen people that are only supposed to be charged a $1-$3 co-pay be charged a $40.00 and higher co-pay because their plan "did not know the individual was eligible for the low income subsidy", even though the individual provided that information to the plan. I have seen people that were denied their meds by their pharmacy because they could not pay the $40.00 co-pay, per prescription, when they should have only been charged the $1.00-$3.00. The people I work with can't even afford the $1.00-$3.00 so they surly can not afford $40.00. Then thier is the issue of the $250.00 deductable, which I won't go into.  I have seen people on hold for minutes to an hour trying to contact their plan to get the problems worked out.  Sometimes we could get it fixed wit one call some times it took more than one call.\n\nIn some cases I have seen people that have not been able to get their prescriptions filled because the wrong plan (the plan that does not cover the prescription) is showing up on the individual’s record and not the new plan.\n\n I have seen BUCKETS of mail (so much mail even our post office commented to me on SEVERAL OCCAISIONS "boy you guys have been getting a lot of mail") come in relating to Medicare part D for people I work with. I work with a small sliver of the population and if they are getting this much mail I cringe when I think about how many trees are being killed to make all of this paper. Much of this mail is junk mail because 1/2 of it is from plans that people should have been dis-enrolled from, the other 1/2 is from the plans that they should be in. All the Tax payer money that is going RIGHT IN THE TRASH CAN, makes me ill when I think about it.\n\nFrom my perspective, Medicare part D is a Disaster.  For some people though it does help. I am happy for the people that it helps, but for the people I work with it has been a huge thorn in thier side.
554118
it's made by bristol meyers here's info for some help \n\nyou are an American with no prescription drug coverage, the Together Rx Access™ Card may help you. \nBristol-Myers Squibb is among 10 pharmaceutical companies that have come together to offer the Together Rx Access™ Card to help you afford the medications you need. The free, easy to use Together Rx Access™ Card provides savings on more than 275 brand-name prescriptions medicines and products, as well as a wide range of generic products. The savings are available right at your pharmacy's check-out counter. Together Rx Access™ can also help direct you to various resources for help on obtaining coverage or products. \n\nTo qualify for the Together Rx Access™ Card, applicants must be legal U.S. residents, not be eligible for Medicare, without public or private prescription drug coverage and with incomes of up to $30,000 for a single person or $60,000 for a family of four (income eligibility is adjusted for family size). \nalso here's a link to info on abilify be careful these drugs are dangerous http://www.abilify.com/abilify/home/index.jsp?BV_UseBVCookie=Yes\nalso check with your local health dept for help or social services good luck\n\nFor more information about the program, visit www.TogetherRxAccess.com or call 800-444-4106.
557240
We need a health care system in this country and it will be hard to get. You know who is in congress. pro business!\n\nWe need a way to pool the Monet, an have some say into some things, like costs!\n\nHMO's who have people who are paid over 2 million a year plus bonus, plus their stockholders. They are taking all that from you before they have paid a thing!! There are over 450 HMO's in NJ!\n\nWhen I retired from the state, all of a sudden the HMO who represents retired state workers can get pills that I was paying over $12.00 each, I can get a 3 month supply for $4.00! That's right! $4.00 for three months!\n\nMedications is too expensive and needs to be brought under control. I don't have an issue with someone making a profit, but a 14 Million dollar income for 1 person in an HMO? That is obscene, and they have at least 3 more making more than 2 million a year. Now multiply that by the # of HMO's and the money they return to their shareholders, who didn't work a damn day!. That's a lot of money that goes to everything but health care.\n\nI have a ton of those example's, and I am sure we have enough smart people, who are not politicians, who can come up with a health care plan. What do you think an HMO is?
643961
There are several good plans available in Florida.  Price is going to be a function of where you live and how old your daughter is.  Not all companies offer plans in all areas.\n\nThe best and most affordable health plan will be with Aetna, Blue Cross (BlueChoice), Humana, or United Healthcare (Golden Rule).  It depends where you live.  All are good companies ("A" rated by A.M. Best) with good coverage.\n\nPremiums are regulated by the Florida DOI (except UHC is regulated by the Illinois DOI and they do not regulate premiums).  Your best bet for a low premium is to look at deductibles of $1,000 to $2,500 with co-payments for Doctor visits and prescriptions.  These higher deductibles offer considerably lower premiums and can save you hundreds of dollars a year in premium.  \n\nIt is a question of managing your risk effectively.  Individual health insurance is medically underwritten.  This means that if you are not healthy and your are going to cost them money...you will be declined or the pre-existing conditions will be ridered (excluded) or rated up (price increase of 25-100%).\n\nOn the other hand, if  you are healthy you probably won't be using your health insurance for much more than preventative care.\n\nAetna, BCBS, and Humana all have good preventative care benefits that are NOT subject to the deductibles.  They also have co-pay options available or included in the product.\n\nI hope this helps.
79952
You should tell her to apply to medicare to see if they or she qualifies for coverage for herself.God Bless
326079
my office (small business with 14 employees) has a group plan through blue cross blue shield.  it was actually easy to set up.  i called a few of the big players and asked for agents/reps to come to my office.  they all set up appointments.  i got quotes from everyone.  compared plans and viola....  insurance.
453897
Hi, I live in Ohio, near the lake, not far from Canada...\nAlot of people in this country have an insurance system that involves partial private pay and premiums taken out of your paycheck, much like a tax off the top. Very few have fully paid medical care anymore; most have either an individual or family "co-pay," which means depending on the insurance plan, a person could pay $500 (US) or more before insurance starts picking up the bill. In the US we also have Medicare or Medicaid that picks up for people over a certain age (like Medicare) or for people who are disabled and/or destitute or meet certain financial criteria (i.e. Medicaid.) There is also help available for families who have disabled or handicapped children. Most people of retirement age and others that would meet the traditional risk categories for something like a stroke would probably qualify for this if they don't already have some insurance through their retirement benefits. Unfortunately for most of these plans criteria is usually set so that for others who could medically and financially benefit they "slip through the crack." I know from both personal experience as well as from others that if you have something that isn't very serious that you try to treat it yourself and avoid the high medical bill even if you have insurance. For those who are uninsured or underinsured and don't qualify, if they have a tragic accident or sudden illness, they go to the hospital and damn the consequences. Most people would go to save themselves or their families lives, and then either force the hospital to write it off as bad debt, or pay what they can when they can, or file bankruptcy...
569360
I am not for sure, but since no one else gave it a try, why not.\n\nThe only way Medicare can know that you've received these drugs is for the pharmacy to tell them.  The pharmacy must be billing Medicare for the charge of the drugs and Medicare is keeping a tally until you reach the limit.\n\nThis is how any insurer handles deductibles.  The provider still submits claims, they just don't get paid until the limit is reached.\n\nPS, there is also a book that lists the Average Wholesale Price (AWP) for each drug.  Many insurers use this price to calculate the amount they will pay for a particular drug.  Medicare probably limits the providers charge based on this book too.
388142
I have heard Pulte sucks. They are a sketchy company. I would never buy a home from them. They are cheap.\n\nGood luck. COBRA for a few months and then try to find insurance elsewhere.
161064
I would check with the state you live in. For example my state (NY) has a plan called healthy NY for working people that have no insurance at reasonable rates. Go to your state's website to check.
425987
I have a soluition to your answer.....if you are looking for real work with real benfits...then you have found it here. I am not sure if you are willing to work from home, but this is the best thing i have ever found!!!!! Its called Ameriplan and it is a home based business that sells Dental, Vision, Chiropratic, and Prescriptions all discounted up to 80%. This is not insurance but great for those who cant afford it, and need something witha discount. We are also in with the BBB and have been on 60minutes. If you are interested and are not overwhelmed by all this info. then please contact me at my website or email me @ cam_smw_kmm@yahoo.com
645803
Usually Parts A and B are good enough but with the new part D that can get confusing. I work with medicare health claims, and i would suggest not getting a medicare HMO.
538441
The Basic and Essential plan is alot cheaper then the Blue Cross HMO plan. The basic plan is just that. Very basic! $30 copay for doctors $500 copay for hospital inpatient. Alot of the major services are covered by either a high copay or a 70/30 coinsurance. The plan info. sheets on the site are pretty good. Most agents dont know much about the ind. plans because they are more hassel then they are worth commission wise. You may want to go on your mom's plan as an overage dependant. You may keep this coverage until your 30th birthday. Your premium would be about 60% of the single rate that your mom pays. Its a good deal and you will get better coverage then the individual plan can provide.
551242
Take a look at HealthNet's new "fee-for-service" plan and how it hooks up with Medicare Part D.  Currently, I think it's one of the better designed plans out there.
209169
Social security was a bad fix for a problem a LONG time ago.  You can thank the new deal for this horrible system we have today.  Your social security that you pay for does not go into some big fund that grows until you retire, instead it is instantly used up to pay for current retirees.  This works as long as you have more working adults than retirees, a situation that might not always be the case. (Especially if we continue to let in illegals, and then give them amnesty, more people able to draw retirement who didn't pay into it, sounds fair to a liberal!)\n\nHow do we reform the system, there are a lot of ways!  But nothing will get done if every time it is even mentioned every single democrat without thinking yells "Stop taking money from the elderly!"  They will oppose any effort at reform in any social program, so I guess our only hope is to stop electing democrats.\n\nNotice I didn't say electing republicans was the answer either, try electing some independents who support your issues! The 2 party system is quite possibly the worst thing to happen to our beautiful democracy.
530993
try http://everyonebenefits.com/40436527 it's $49.95 per month for an individual. It covers all specialists, prescriptions, labs, x-rays, hospital stays, etc. Pre-existing conditions covered. No deductible, no claim forms, and no waiting period to use your benefits. Contact me with any questions you may have.