Medicare and plans for US diabetics

[Guest guest]

does this take into consideration the health care reform act that the

republicans are bound to either repeal outright or to water down?

Medicare and plans for US diabetics

Sorry to non-US members! This topic won't be of any benefit to you.

This is the 4th year I think, that I've discussed with my agent, and changed

my Medicare plan, and in particular, my part-D or prescription drug plan.

I thought I'd post this as a reminder, but also to trigger some discussion

in case it might be helpful. The plans change every year, so if you haven't

re-examined your plan, you'll want to do that.

And, my agent tells me, put your seat belts on, because next year will see

even more changes!

I will be meeting with my agent some time in the coming weeks (we have until

December 31) and this year, I may be looking at a Medicare 0 premium plan,

but adding separate policies for both hospitalization and cancer coverage.

She tells me, it looks like I can do this, with the 0 premium plan, for less

money, and get a whole lot more coverage.

But that doesn't mean you will. This is why you need to, IMO, sit with a

professional who knows insurance, and specifically, the Medicare program,

and go through different scenarios. It takes some time, but it may be well

worth it.

If you have some helpful tips or advice, please pass it on to us!

Dave

--

Weather conditions on 11/5/2010 10:28:18 PM in Lancaster, Pennsylvania

Clear, 39.9°F(4.4°C) Wind:WSW (250°) at 3mph (3KT)

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[Guest guest]

does this take into consideration the health care reform act that the

republicans are bound to either repeal outright or to water down?

Medicare and plans for US diabetics

Sorry to non-US members! This topic won't be of any benefit to you.

This is the 4th year I think, that I've discussed with my agent, and changed

my Medicare plan, and in particular, my part-D or prescription drug plan.

I thought I'd post this as a reminder, but also to trigger some discussion

in case it might be helpful. The plans change every year, so if you haven't

re-examined your plan, you'll want to do that.

And, my agent tells me, put your seat belts on, because next year will see

even more changes!

I will be meeting with my agent some time in the coming weeks (we have until

December 31) and this year, I may be looking at a Medicare 0 premium plan,

but adding separate policies for both hospitalization and cancer coverage.

She tells me, it looks like I can do this, with the 0 premium plan, for less

money, and get a whole lot more coverage.

But that doesn't mean you will. This is why you need to, IMO, sit with a

professional who knows insurance, and specifically, the Medicare program,

and go through different scenarios. It takes some time, but it may be well

worth it.

If you have some helpful tips or advice, please pass it on to us!

Dave

--

Weather conditions on 11/5/2010 10:28:18 PM in Lancaster, Pennsylvania

Clear, 39.9°F(4.4°C) Wind:WSW (250°) at 3mph (3KT)

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[Guest guest]

I'm not sure how the health reform affects these plans. I put great stock in my

agent who works diligently to stay abreast of all the changes in the Medicare

system. If you can find an agent, one who really understands Medicare, make use

of their knowledge.

Dave

--

Weather conditions on 11/6/2010 7:55:29 AM in Lancaster, Pennsylvania

Mostly Cloudy, 32.0°F(0.0°C) Wind:WNW (290°) at 3mph (3KT)

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Medicare and plans for US diabetics

Sorry to non-US members! This topic won't be of any benefit to you.

This is the 4th year I think, that I've discussed with my agent, and changed

my Medicare plan, and in particular, my part-D or prescription drug plan.

I thought I'd post this as a reminder, but also to trigger some discussion

in case it might be helpful. The plans change every year, so if you haven't

re-examined your plan, you'll want to do that.

And, my agent tells me, put your seat belts on, because next year will see

even more changes!

I will be meeting with my agent some time in the coming weeks (we have until

December 31) and this year, I may be looking at a Medicare 0 premium plan,

but adding separate policies for both hospitalization and cancer coverage.

She tells me, it looks like I can do this, with the 0 premium plan, for less

money, and get a whole lot more coverage.

But that doesn't mean you will. This is why you need to, IMO, sit with a

professional who knows insurance, and specifically, the Medicare program,

and go through different scenarios. It takes some time, but it may be well

worth it.

If you have some helpful tips or advice, please pass it on to us!

Dave

--

Weather conditions on 11/5/2010 10:28:18 PM in Lancaster, Pennsylvania

Clear, 39.9°F(4.4°C) Wind:WSW (250°) at 3mph (3KT)

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[Guest guest]

I'm not sure how the health reform affects these plans. I put great stock in my

agent who works diligently to stay abreast of all the changes in the Medicare

system. If you can find an agent, one who really understands Medicare, make use

of their knowledge.

Dave

--

Weather conditions on 11/6/2010 7:55:29 AM in Lancaster, Pennsylvania

Mostly Cloudy, 32.0°F(0.0°C) Wind:WNW (290°) at 3mph (3KT)

Join the BARD Talk list: bardtalk-subscribe

Visit the BARD Talk web site: http://www.bardtalk.com

Created by Weather Signature v1.32 . http://www.weathersig.com

Medicare and plans for US diabetics

Sorry to non-US members! This topic won't be of any benefit to you.

This is the 4th year I think, that I've discussed with my agent, and changed

my Medicare plan, and in particular, my part-D or prescription drug plan.

I thought I'd post this as a reminder, but also to trigger some discussion

in case it might be helpful. The plans change every year, so if you haven't

re-examined your plan, you'll want to do that.

And, my agent tells me, put your seat belts on, because next year will see

even more changes!

I will be meeting with my agent some time in the coming weeks (we have until

December 31) and this year, I may be looking at a Medicare 0 premium plan,

but adding separate policies for both hospitalization and cancer coverage.

She tells me, it looks like I can do this, with the 0 premium plan, for less

money, and get a whole lot more coverage.

But that doesn't mean you will. This is why you need to, IMO, sit with a

professional who knows insurance, and specifically, the Medicare program,

and go through different scenarios. It takes some time, but it may be well

worth it.

If you have some helpful tips or advice, please pass it on to us!

Dave

--

Weather conditions on 11/5/2010 10:28:18 PM in Lancaster, Pennsylvania

Clear, 39.9°F(4.4°C) Wind:WSW (250°) at 3mph (3KT)

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[Guest guest]

I'm not sure how the health reform affects these plans. I put great stock in my

agent who works diligently to stay abreast of all the changes in the Medicare

system. If you can find an agent, one who really understands Medicare, make use

of their knowledge.

Dave

--

Weather conditions on 11/6/2010 7:55:29 AM in Lancaster, Pennsylvania

Mostly Cloudy, 32.0°F(0.0°C) Wind:WNW (290°) at 3mph (3KT)

Join the BARD Talk list: bardtalk-subscribe

Visit the BARD Talk web site: http://www.bardtalk.com

Created by Weather Signature v1.32 . http://www.weathersig.com

Medicare and plans for US diabetics

Sorry to non-US members! This topic won't be of any benefit to you.

This is the 4th year I think, that I've discussed with my agent, and changed

my Medicare plan, and in particular, my part-D or prescription drug plan.

I thought I'd post this as a reminder, but also to trigger some discussion

in case it might be helpful. The plans change every year, so if you haven't

re-examined your plan, you'll want to do that.

And, my agent tells me, put your seat belts on, because next year will see

even more changes!

I will be meeting with my agent some time in the coming weeks (we have until

December 31) and this year, I may be looking at a Medicare 0 premium plan,

but adding separate policies for both hospitalization and cancer coverage.

She tells me, it looks like I can do this, with the 0 premium plan, for less

money, and get a whole lot more coverage.

But that doesn't mean you will. This is why you need to, IMO, sit with a

professional who knows insurance, and specifically, the Medicare program,

and go through different scenarios. It takes some time, but it may be well

worth it.

If you have some helpful tips or advice, please pass it on to us!

Dave

--

Weather conditions on 11/5/2010 10:28:18 PM in Lancaster, Pennsylvania

Clear, 39.9°F(4.4°C) Wind:WSW (250°) at 3mph (3KT)

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[Guest guest]

I should have also mentioned that when I say " 0 premium " plans, this has

nothing to do with the monthly Medicare premium that comes out of your SSDI

check. The 0 premium plans refer to advantage plans, I believe they're

called. And it's these plans that are so confusing and offer such a wide

range of options and costs.

Dave

-- Weather conditions on 11/6/2010 8:22:29 AM in Lancaster, Pennsylvania

Mostly Cloudy, 35.1°F(1.7°C) Wind:NW (310°) at 5mph (4KT) Join the BARD Talk

list: bardtalk-subscribe Visit the BARD Talk web site:

http://www.bardtalk.com Created by Weather Signature v1.32 .

http://www.weathersig.com

Medicare and plans for US diabetics

Sorry to non-US members! This topic won't be of any benefit to you.

This is the 4th year I think, that I've discussed with my agent, and changed

my Medicare plan, and in particular, my part-D or prescription drug plan.

I thought I'd post this as a reminder, but also to trigger some discussion

in case it might be helpful. The plans change every year, so if you haven't

re-examined your plan, you'll want to do that.

And, my agent tells me, put your seat belts on, because next year will see

even more changes!

I will be meeting with my agent some time in the coming weeks (we have until

December 31) and this year, I may be looking at a Medicare 0 premium plan,

but adding separate policies for both hospitalization and cancer coverage.

She tells me, it looks like I can do this, with the 0 premium plan, for less

money, and get a whole lot more coverage.

But that doesn't mean you will. This is why you need to, IMO, sit with a

professional who knows insurance, and specifically, the Medicare program,

and go through different scenarios. It takes some time, but it may be well

worth it.

If you have some helpful tips or advice, please pass it on to us!

Dave

--

Weather conditions on 11/5/2010 10:28:18 PM in Lancaster, Pennsylvania

Clear, 39.9°F(4.4°C) Wind:WSW (250°) at 3mph (3KT)

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[Guest guest]

I should have also mentioned that when I say " 0 premium " plans, this has

nothing to do with the monthly Medicare premium that comes out of your SSDI

check. The 0 premium plans refer to advantage plans, I believe they're

called. And it's these plans that are so confusing and offer such a wide

range of options and costs.

Dave

-- Weather conditions on 11/6/2010 8:22:29 AM in Lancaster, Pennsylvania

Mostly Cloudy, 35.1°F(1.7°C) Wind:NW (310°) at 5mph (4KT) Join the BARD Talk

list: bardtalk-subscribe Visit the BARD Talk web site:

http://www.bardtalk.com Created by Weather Signature v1.32 .

http://www.weathersig.com

Medicare and plans for US diabetics

Sorry to non-US members! This topic won't be of any benefit to you.

This is the 4th year I think, that I've discussed with my agent, and changed

my Medicare plan, and in particular, my part-D or prescription drug plan.

I thought I'd post this as a reminder, but also to trigger some discussion

in case it might be helpful. The plans change every year, so if you haven't

re-examined your plan, you'll want to do that.

And, my agent tells me, put your seat belts on, because next year will see

even more changes!

I will be meeting with my agent some time in the coming weeks (we have until

December 31) and this year, I may be looking at a Medicare 0 premium plan,

but adding separate policies for both hospitalization and cancer coverage.

She tells me, it looks like I can do this, with the 0 premium plan, for less

money, and get a whole lot more coverage.

But that doesn't mean you will. This is why you need to, IMO, sit with a

professional who knows insurance, and specifically, the Medicare program,

and go through different scenarios. It takes some time, but it may be well

worth it.

If you have some helpful tips or advice, please pass it on to us!

Dave

--

Weather conditions on 11/5/2010 10:28:18 PM in Lancaster, Pennsylvania

Clear, 39.9°F(4.4°C) Wind:WSW (250°) at 3mph (3KT)

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[Guest guest]

I should have also mentioned that when I say " 0 premium " plans, this has

nothing to do with the monthly Medicare premium that comes out of your SSDI

check. The 0 premium plans refer to advantage plans, I believe they're

called. And it's these plans that are so confusing and offer such a wide

range of options and costs.

Dave

-- Weather conditions on 11/6/2010 8:22:29 AM in Lancaster, Pennsylvania

Mostly Cloudy, 35.1°F(1.7°C) Wind:NW (310°) at 5mph (4KT) Join the BARD Talk

list: bardtalk-subscribe Visit the BARD Talk web site:

http://www.bardtalk.com Created by Weather Signature v1.32 .

http://www.weathersig.com

Medicare and plans for US diabetics

Sorry to non-US members! This topic won't be of any benefit to you.

This is the 4th year I think, that I've discussed with my agent, and changed

my Medicare plan, and in particular, my part-D or prescription drug plan.

I thought I'd post this as a reminder, but also to trigger some discussion

in case it might be helpful. The plans change every year, so if you haven't

re-examined your plan, you'll want to do that.

And, my agent tells me, put your seat belts on, because next year will see

even more changes!

I will be meeting with my agent some time in the coming weeks (we have until

December 31) and this year, I may be looking at a Medicare 0 premium plan,

but adding separate policies for both hospitalization and cancer coverage.

She tells me, it looks like I can do this, with the 0 premium plan, for less

money, and get a whole lot more coverage.

But that doesn't mean you will. This is why you need to, IMO, sit with a

professional who knows insurance, and specifically, the Medicare program,

and go through different scenarios. It takes some time, but it may be well

worth it.

If you have some helpful tips or advice, please pass it on to us!

Dave

--

Weather conditions on 11/5/2010 10:28:18 PM in Lancaster, Pennsylvania

Clear, 39.9°F(4.4°C) Wind:WSW (250°) at 3mph (3KT)

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[Guest guest]

Dave,

Good advice indeed.

I am currently with Humana and I think my agent has fallen off the face of

the world. (LOLLOLLOL)

I plant to hit Humana hot and heavy next week.

I definitely need to make some changes in my prescription coverage as the

cost of some antibiotics are truly staggering. (LOLLOL)

Cy, The Anasazi

Medicare and plans for US diabetics

Sorry to non-US members! This topic won't be of any benefit to you.

This is the 4th year I think, that I've discussed with my agent, and changed

my Medicare plan, and in particular, my part-D or prescription drug plan.

I thought I'd post this as a reminder, but also to trigger some discussion

in case it might be helpful. The plans change every year, so if you haven't

re-examined your plan, you'll want to do that.

And, my agent tells me, put your seat belts on, because next year will see

even more changes!

I will be meeting with my agent some time in the coming weeks (we have until

December 31) and this year, I may be looking at a Medicare 0 premium plan,

but adding separate policies for both hospitalization and cancer coverage.

She tells me, it looks like I can do this, with the 0 premium plan, for less

money, and get a whole lot more coverage.

But that doesn't mean you will. This is why you need to, IMO, sit with a

professional who knows insurance, and specifically, the Medicare program,

and go through different scenarios. It takes some time, but it may be well

worth it.

If you have some helpful tips or advice, please pass it on to us!

Dave

--

Weather conditions on 11/5/2010 10:28:18 PM in Lancaster, Pennsylvania

Clear, 39.9°F(4.4°C) Wind:WSW (250°) at 3mph (3KT)

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Visit the BARD Talk web site: http://www.bardtalk.com

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[Guest guest]

Dave,

Good advice indeed.

I am currently with Humana and I think my agent has fallen off the face of

the world. (LOLLOLLOL)

I plant to hit Humana hot and heavy next week.

I definitely need to make some changes in my prescription coverage as the

cost of some antibiotics are truly staggering. (LOLLOL)

Cy, The Anasazi

Medicare and plans for US diabetics

Sorry to non-US members! This topic won't be of any benefit to you.

This is the 4th year I think, that I've discussed with my agent, and changed

my Medicare plan, and in particular, my part-D or prescription drug plan.

I thought I'd post this as a reminder, but also to trigger some discussion

in case it might be helpful. The plans change every year, so if you haven't

re-examined your plan, you'll want to do that.

And, my agent tells me, put your seat belts on, because next year will see

even more changes!

I will be meeting with my agent some time in the coming weeks (we have until

December 31) and this year, I may be looking at a Medicare 0 premium plan,

but adding separate policies for both hospitalization and cancer coverage.

She tells me, it looks like I can do this, with the 0 premium plan, for less

money, and get a whole lot more coverage.

But that doesn't mean you will. This is why you need to, IMO, sit with a

professional who knows insurance, and specifically, the Medicare program,

and go through different scenarios. It takes some time, but it may be well

worth it.

If you have some helpful tips or advice, please pass it on to us!

Dave

--

Weather conditions on 11/5/2010 10:28:18 PM in Lancaster, Pennsylvania

Clear, 39.9°F(4.4°C) Wind:WSW (250°) at 3mph (3KT)

Join the BARD Talk list: bardtalk-subscribe

Visit the BARD Talk web site: http://www.bardtalk.com

Created by Weather Signature v1.32 • http://www.weathersig.com

[Guest guest]

Dave,

Good advice indeed.

I am currently with Humana and I think my agent has fallen off the face of

the world. (LOLLOLLOL)

I plant to hit Humana hot and heavy next week.

I definitely need to make some changes in my prescription coverage as the

cost of some antibiotics are truly staggering. (LOLLOL)

Cy, The Anasazi

Medicare and plans for US diabetics

Sorry to non-US members! This topic won't be of any benefit to you.

This is the 4th year I think, that I've discussed with my agent, and changed

my Medicare plan, and in particular, my part-D or prescription drug plan.

I thought I'd post this as a reminder, but also to trigger some discussion

in case it might be helpful. The plans change every year, so if you haven't

re-examined your plan, you'll want to do that.

And, my agent tells me, put your seat belts on, because next year will see

even more changes!

I will be meeting with my agent some time in the coming weeks (we have until

December 31) and this year, I may be looking at a Medicare 0 premium plan,

but adding separate policies for both hospitalization and cancer coverage.

She tells me, it looks like I can do this, with the 0 premium plan, for less

money, and get a whole lot more coverage.

But that doesn't mean you will. This is why you need to, IMO, sit with a

professional who knows insurance, and specifically, the Medicare program,

and go through different scenarios. It takes some time, but it may be well

worth it.

If you have some helpful tips or advice, please pass it on to us!

Dave

--

Weather conditions on 11/5/2010 10:28:18 PM in Lancaster, Pennsylvania

Clear, 39.9°F(4.4°C) Wind:WSW (250°) at 3mph (3KT)

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Visit the BARD Talk web site: http://www.bardtalk.com

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[Guest guest]

And most are aware, but don't run prescriptions through your part-d insurance if

you can get the generic at Wal-Mart or Costco or K-Mart, or a few other places.

I'm on quite a few meds, but only run a couple meds through the insurance.

Sadly, 2 are insulin prescriptions that have no generic. My problem is that one

of my meds, which does happen to be a generic, is still costly because it isn't

a common drug (it's an anti-seizure med for my Epilepsy). And I just can't seem

to stay under the " donut hole " which is where coverage ends, until you get to

the other side. But that's such a high number, I don't ever get there.

Dave

--

Weather conditions on 11/6/2010 12:03:02 PM in Lancaster, Pennsylvania

Clear, 46.9°F Wind:NNW-330° at 12mph

Join the BARD Talk list: bardtalk-subscribe

Visit the BARD Talk web site: http://www.bardtalk.com

Created by Weather Signature v1.32 . http://www.weathersig.com

Medicare and plans for US diabetics

Sorry to non-US members! This topic won't be of any benefit to you.

This is the 4th year I think, that I've discussed with my agent, and changed

my Medicare plan, and in particular, my part-D or prescription drug plan.

I thought I'd post this as a reminder, but also to trigger some discussion

in case it might be helpful. The plans change every year, so if you haven't

re-examined your plan, you'll want to do that.

And, my agent tells me, put your seat belts on, because next year will see

even more changes!

I will be meeting with my agent some time in the coming weeks (we have until

December 31) and this year, I may be looking at a Medicare 0 premium plan,

but adding separate policies for both hospitalization and cancer coverage.

She tells me, it looks like I can do this, with the 0 premium plan, for less

money, and get a whole lot more coverage.

But that doesn't mean you will. This is why you need to, IMO, sit with a

professional who knows insurance, and specifically, the Medicare program,

and go through different scenarios. It takes some time, but it may be well

worth it.

If you have some helpful tips or advice, please pass it on to us!

Dave

--

Weather conditions on 11/5/2010 10:28:18 PM in Lancaster, Pennsylvania

Clear, 39.9°F(4.4°C) Wind:WSW (250°) at 3mph (3KT)

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[Guest guest]

And most are aware, but don't run prescriptions through your part-d insurance if

you can get the generic at Wal-Mart or Costco or K-Mart, or a few other places.

I'm on quite a few meds, but only run a couple meds through the insurance.

Sadly, 2 are insulin prescriptions that have no generic. My problem is that one

of my meds, which does happen to be a generic, is still costly because it isn't

a common drug (it's an anti-seizure med for my Epilepsy). And I just can't seem

to stay under the " donut hole " which is where coverage ends, until you get to

the other side. But that's such a high number, I don't ever get there.

Dave

--

Weather conditions on 11/6/2010 12:03:02 PM in Lancaster, Pennsylvania

Clear, 46.9°F Wind:NNW-330° at 12mph

Join the BARD Talk list: bardtalk-subscribe

Visit the BARD Talk web site: http://www.bardtalk.com

Created by Weather Signature v1.32 . http://www.weathersig.com

Medicare and plans for US diabetics

Sorry to non-US members! This topic won't be of any benefit to you.

This is the 4th year I think, that I've discussed with my agent, and changed

my Medicare plan, and in particular, my part-D or prescription drug plan.

I thought I'd post this as a reminder, but also to trigger some discussion

in case it might be helpful. The plans change every year, so if you haven't

re-examined your plan, you'll want to do that.

And, my agent tells me, put your seat belts on, because next year will see

even more changes!

I will be meeting with my agent some time in the coming weeks (we have until

December 31) and this year, I may be looking at a Medicare 0 premium plan,

but adding separate policies for both hospitalization and cancer coverage.

She tells me, it looks like I can do this, with the 0 premium plan, for less

money, and get a whole lot more coverage.

But that doesn't mean you will. This is why you need to, IMO, sit with a

professional who knows insurance, and specifically, the Medicare program,

and go through different scenarios. It takes some time, but it may be well

worth it.

If you have some helpful tips or advice, please pass it on to us!

Dave

--

Weather conditions on 11/5/2010 10:28:18 PM in Lancaster, Pennsylvania

Clear, 39.9°F(4.4°C) Wind:WSW (250°) at 3mph (3KT)

Join the BARD Talk list: bardtalk-subscribe

Visit the BARD Talk web site: http://www.bardtalk.com

Created by Weather Signature v1.32 . http://www.weathersig.com

[Guest guest]

And most are aware, but don't run prescriptions through your part-d insurance if

you can get the generic at Wal-Mart or Costco or K-Mart, or a few other places.

I'm on quite a few meds, but only run a couple meds through the insurance.

Sadly, 2 are insulin prescriptions that have no generic. My problem is that one

of my meds, which does happen to be a generic, is still costly because it isn't

a common drug (it's an anti-seizure med for my Epilepsy). And I just can't seem

to stay under the " donut hole " which is where coverage ends, until you get to

the other side. But that's such a high number, I don't ever get there.

Dave

--

Weather conditions on 11/6/2010 12:03:02 PM in Lancaster, Pennsylvania

Clear, 46.9°F Wind:NNW-330° at 12mph

Join the BARD Talk list: bardtalk-subscribe

Visit the BARD Talk web site: http://www.bardtalk.com

Created by Weather Signature v1.32 . http://www.weathersig.com

Medicare and plans for US diabetics

Sorry to non-US members! This topic won't be of any benefit to you.

This is the 4th year I think, that I've discussed with my agent, and changed

my Medicare plan, and in particular, my part-D or prescription drug plan.

I thought I'd post this as a reminder, but also to trigger some discussion

in case it might be helpful. The plans change every year, so if you haven't

re-examined your plan, you'll want to do that.

And, my agent tells me, put your seat belts on, because next year will see

even more changes!

I will be meeting with my agent some time in the coming weeks (we have until

December 31) and this year, I may be looking at a Medicare 0 premium plan,

but adding separate policies for both hospitalization and cancer coverage.

She tells me, it looks like I can do this, with the 0 premium plan, for less

money, and get a whole lot more coverage.

But that doesn't mean you will. This is why you need to, IMO, sit with a

professional who knows insurance, and specifically, the Medicare program,

and go through different scenarios. It takes some time, but it may be well

worth it.

If you have some helpful tips or advice, please pass it on to us!

Dave

--

Weather conditions on 11/5/2010 10:28:18 PM in Lancaster, Pennsylvania

Clear, 39.9°F(4.4°C) Wind:WSW (250°) at 3mph (3KT)

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[Guest guest]

Dave

How did you find an agent? Last year when I signed up for Medicare and a

Part D plan for the first time, I just called 1-800-medicare and got help

over the phone. But a personal agent would probably do a much bettter job

for me and make sure I understand everything thoroughly.

Becky

_____

From: blind-diabetics

[mailto:blind-diabetics ] On Behalf Of dave Bond

Sent: Saturday, November 06, 2010 8:00 AM

To: blind-diabetics

Subject: Re: Medicare and plans for US diabetics

I'm not sure how the health reform affects these plans. I put great stock in

my agent who works diligently to stay abreast of all the changes in the

Medicare system. If you can find an agent, one who really understands

Medicare, make use of their knowledge.

Dave

--

Weather conditions on 11/6/2010 7:55:29 AM in Lancaster, Pennsylvania Mostly

Cloudy, 32.0°F(0.0°C) Wind:WNW (290°) at 3mph (3KT)

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Medicare and plans for US diabetics

Sorry to non-US members! This topic won't be of any benefit to you.

This is the 4th year I think, that I've discussed with my agent, and changed

my Medicare plan, and in particular, my part-D or prescription drug plan.

I thought I'd post this as a reminder, but also to trigger some discussion

in case it might be helpful. The plans change every year, so if you haven't

re-examined your plan, you'll want to do that.

And, my agent tells me, put your seat belts on, because next year will see

even more changes!

I will be meeting with my agent some time in the coming weeks (we have until

December 31) and this year, I may be looking at a Medicare 0 premium plan,

but adding separate policies for both hospitalization and cancer coverage.

She tells me, it looks like I can do this, with the 0 premium plan, for less

money, and get a whole lot more coverage.

But that doesn't mean you will. This is why you need to, IMO, sit with a

professional who knows insurance, and specifically, the Medicare program,

and go through different scenarios. It takes some time, but it may be well

worth it.

If you have some helpful tips or advice, please pass it on to us!

Dave

--

Weather conditions on 11/5/2010 10:28:18 PM in Lancaster, Pennsylvania

Clear, 39.9°F(4.4°C) Wind:WSW (250°) at 3mph (3KT)

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[Guest guest]

Dave

How did you find an agent? Last year when I signed up for Medicare and a

Part D plan for the first time, I just called 1-800-medicare and got help

over the phone. But a personal agent would probably do a much bettter job

for me and make sure I understand everything thoroughly.

Becky

_____

From: blind-diabetics

[mailto:blind-diabetics ] On Behalf Of dave Bond

Sent: Saturday, November 06, 2010 8:00 AM

To: blind-diabetics

Subject: Re: Medicare and plans for US diabetics

I'm not sure how the health reform affects these plans. I put great stock in

my agent who works diligently to stay abreast of all the changes in the

Medicare system. If you can find an agent, one who really understands

Medicare, make use of their knowledge.

Dave

--

Weather conditions on 11/6/2010 7:55:29 AM in Lancaster, Pennsylvania Mostly

Cloudy, 32.0°F(0.0°C) Wind:WNW (290°) at 3mph (3KT)

Join the BARD Talk list: bardtalk-subscribe

<mailto:bardtalk-subscribe%40yahoogroups.com>

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Created by Weather Signature v1.32 . http://www.weathersig.com

Medicare and plans for US diabetics

Sorry to non-US members! This topic won't be of any benefit to you.

This is the 4th year I think, that I've discussed with my agent, and changed

my Medicare plan, and in particular, my part-D or prescription drug plan.

I thought I'd post this as a reminder, but also to trigger some discussion

in case it might be helpful. The plans change every year, so if you haven't

re-examined your plan, you'll want to do that.

And, my agent tells me, put your seat belts on, because next year will see

even more changes!

I will be meeting with my agent some time in the coming weeks (we have until

December 31) and this year, I may be looking at a Medicare 0 premium plan,

but adding separate policies for both hospitalization and cancer coverage.

She tells me, it looks like I can do this, with the 0 premium plan, for less

money, and get a whole lot more coverage.

But that doesn't mean you will. This is why you need to, IMO, sit with a

professional who knows insurance, and specifically, the Medicare program,

and go through different scenarios. It takes some time, but it may be well

worth it.

If you have some helpful tips or advice, please pass it on to us!

Dave

--

Weather conditions on 11/5/2010 10:28:18 PM in Lancaster, Pennsylvania

Clear, 39.9°F(4.4°C) Wind:WSW (250°) at 3mph (3KT)

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[Guest guest]

Dave

How did you find an agent? Last year when I signed up for Medicare and a

Part D plan for the first time, I just called 1-800-medicare and got help

over the phone. But a personal agent would probably do a much bettter job

for me and make sure I understand everything thoroughly.

Becky

_____

From: blind-diabetics

[mailto:blind-diabetics ] On Behalf Of dave Bond

Sent: Saturday, November 06, 2010 8:00 AM

To: blind-diabetics

Subject: Re: Medicare and plans for US diabetics

I'm not sure how the health reform affects these plans. I put great stock in

my agent who works diligently to stay abreast of all the changes in the

Medicare system. If you can find an agent, one who really understands

Medicare, make use of their knowledge.

Dave

--

Weather conditions on 11/6/2010 7:55:29 AM in Lancaster, Pennsylvania Mostly

Cloudy, 32.0°F(0.0°C) Wind:WNW (290°) at 3mph (3KT)

Join the BARD Talk list: bardtalk-subscribe

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Visit the BARD Talk web site: http://www.bardtalk.com

Created by Weather Signature v1.32 . http://www.weathersig.com

Medicare and plans for US diabetics

Sorry to non-US members! This topic won't be of any benefit to you.

This is the 4th year I think, that I've discussed with my agent, and changed

my Medicare plan, and in particular, my part-D or prescription drug plan.

I thought I'd post this as a reminder, but also to trigger some discussion

in case it might be helpful. The plans change every year, so if you haven't

re-examined your plan, you'll want to do that.

And, my agent tells me, put your seat belts on, because next year will see

even more changes!

I will be meeting with my agent some time in the coming weeks (we have until

December 31) and this year, I may be looking at a Medicare 0 premium plan,

but adding separate policies for both hospitalization and cancer coverage.

She tells me, it looks like I can do this, with the 0 premium plan, for less

money, and get a whole lot more coverage.

But that doesn't mean you will. This is why you need to, IMO, sit with a

professional who knows insurance, and specifically, the Medicare program,

and go through different scenarios. It takes some time, but it may be well

worth it.

If you have some helpful tips or advice, please pass it on to us!

Dave

--

Weather conditions on 11/5/2010 10:28:18 PM in Lancaster, Pennsylvania

Clear, 39.9°F(4.4°C) Wind:WSW (250°) at 3mph (3KT)

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[Guest guest]

I found my agent via word of mouth. I believe she worked with some people at my

in-laws church, and I was given her number. I don't know what to tell you, other

than to ask around. Personal referrals are usually the best, but you could just

call some agents out of the phone book and ask them if they are well acquainted

with Medicare. Then use your best judgment.

Dave

--

Weather conditions on 11/6/2010 1:18:02 PM in Lancaster, Pennsylvania

Mostly Cloudy, 48.9°F Wind:N-350° at 10mph

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Visit the BARD Talk web site: http://www.bardtalk.com

Created by Weather Signature v1.32 . http://www.weathersig.com

Medicare and plans for US diabetics

Sorry to non-US members! This topic won't be of any benefit to you.

This is the 4th year I think, that I've discussed with my agent, and changed

my Medicare plan, and in particular, my part-D or prescription drug plan.

I thought I'd post this as a reminder, but also to trigger some discussion

in case it might be helpful. The plans change every year, so if you haven't

re-examined your plan, you'll want to do that.

And, my agent tells me, put your seat belts on, because next year will see

even more changes!

I will be meeting with my agent some time in the coming weeks (we have until

December 31) and this year, I may be looking at a Medicare 0 premium plan,

but adding separate policies for both hospitalization and cancer coverage.

She tells me, it looks like I can do this, with the 0 premium plan, for less

money, and get a whole lot more coverage.

But that doesn't mean you will. This is why you need to, IMO, sit with a

professional who knows insurance, and specifically, the Medicare program,

and go through different scenarios. It takes some time, but it may be well

worth it.

If you have some helpful tips or advice, please pass it on to us!

Dave

--

Weather conditions on 11/5/2010 10:28:18 PM in Lancaster, Pennsylvania

Clear, 39.9°F(4.4°C) Wind:WSW (250°) at 3mph (3KT)

Join the BARD Talk list: bardtalk-subscribe

<mailto:bardtalk-subscribe%40yahoogroups.com>

Visit the BARD Talk web site: http://www.bardtalk.com

Created by Weather Signature v1.32 . http://www.weathersig.com

[Guest guest]

I found my agent via word of mouth. I believe she worked with some people at my

in-laws church, and I was given her number. I don't know what to tell you, other

than to ask around. Personal referrals are usually the best, but you could just

call some agents out of the phone book and ask them if they are well acquainted

with Medicare. Then use your best judgment.

Dave

--

Weather conditions on 11/6/2010 1:18:02 PM in Lancaster, Pennsylvania

Mostly Cloudy, 48.9°F Wind:N-350° at 10mph

Join the BARD Talk list: bardtalk-subscribe

Visit the BARD Talk web site: http://www.bardtalk.com

Created by Weather Signature v1.32 . http://www.weathersig.com

Medicare and plans for US diabetics

Sorry to non-US members! This topic won't be of any benefit to you.

This is the 4th year I think, that I've discussed with my agent, and changed

my Medicare plan, and in particular, my part-D or prescription drug plan.

I thought I'd post this as a reminder, but also to trigger some discussion

in case it might be helpful. The plans change every year, so if you haven't

re-examined your plan, you'll want to do that.

And, my agent tells me, put your seat belts on, because next year will see

even more changes!

I will be meeting with my agent some time in the coming weeks (we have until

December 31) and this year, I may be looking at a Medicare 0 premium plan,

but adding separate policies for both hospitalization and cancer coverage.

She tells me, it looks like I can do this, with the 0 premium plan, for less

money, and get a whole lot more coverage.

But that doesn't mean you will. This is why you need to, IMO, sit with a

professional who knows insurance, and specifically, the Medicare program,

and go through different scenarios. It takes some time, but it may be well

worth it.

If you have some helpful tips or advice, please pass it on to us!

Dave

--

Weather conditions on 11/5/2010 10:28:18 PM in Lancaster, Pennsylvania

Clear, 39.9°F(4.4°C) Wind:WSW (250°) at 3mph (3KT)

Join the BARD Talk list: bardtalk-subscribe

<mailto:bardtalk-subscribe%40yahoogroups.com>

Visit the BARD Talk web site: http://www.bardtalk.com

Created by Weather Signature v1.32 . http://www.weathersig.com

[Guest guest]

I found my agent via word of mouth. I believe she worked with some people at my

in-laws church, and I was given her number. I don't know what to tell you, other

than to ask around. Personal referrals are usually the best, but you could just

call some agents out of the phone book and ask them if they are well acquainted

with Medicare. Then use your best judgment.

Dave

--

Weather conditions on 11/6/2010 1:18:02 PM in Lancaster, Pennsylvania

Mostly Cloudy, 48.9°F Wind:N-350° at 10mph

Join the BARD Talk list: bardtalk-subscribe

Visit the BARD Talk web site: http://www.bardtalk.com

Created by Weather Signature v1.32 . http://www.weathersig.com

Medicare and plans for US diabetics

Sorry to non-US members! This topic won't be of any benefit to you.

This is the 4th year I think, that I've discussed with my agent, and changed

my Medicare plan, and in particular, my part-D or prescription drug plan.

I thought I'd post this as a reminder, but also to trigger some discussion

in case it might be helpful. The plans change every year, so if you haven't

re-examined your plan, you'll want to do that.

And, my agent tells me, put your seat belts on, because next year will see

even more changes!

I will be meeting with my agent some time in the coming weeks (we have until

December 31) and this year, I may be looking at a Medicare 0 premium plan,

but adding separate policies for both hospitalization and cancer coverage.

She tells me, it looks like I can do this, with the 0 premium plan, for less

money, and get a whole lot more coverage.

But that doesn't mean you will. This is why you need to, IMO, sit with a

professional who knows insurance, and specifically, the Medicare program,

and go through different scenarios. It takes some time, but it may be well

worth it.

If you have some helpful tips or advice, please pass it on to us!

Dave

--

Weather conditions on 11/5/2010 10:28:18 PM in Lancaster, Pennsylvania

Clear, 39.9°F(4.4°C) Wind:WSW (250°) at 3mph (3KT)

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[Guest guest]

Starting this year and changing each additional year until the full reform

is in place there is a change in the part d coverage. If one doesn't use a

medicare advantage plan which covers medication one must also have a part d

plan to do it. This year the infamous doughnut hole which is a part of

part d plans grows smaller and does so each year until it disappears.

XB

IC|XC

[Guest guest]

While blind people under 65 can qualify for the advantage plans it is very

difficult to get affordable supplemental insurance coverage that covers the

20% deductible when you are under 65.

Chuck

Medicare and plans for US diabetics

>

>

> Sorry to non-US members! This topic won't be of any benefit to you.

>

> This is the 4th year I think, that I've discussed with my agent, and

> changed

> my Medicare plan, and in particular, my part-D or prescription drug plan.

>

> I thought I'd post this as a reminder, but also to trigger some discussion

> in case it might be helpful. The plans change every year, so if you

> haven't

> re-examined your plan, you'll want to do that.

>

> And, my agent tells me, put your seat belts on, because next year will see

> even more changes!

>

> I will be meeting with my agent some time in the coming weeks (we have

> until

> December 31) and this year, I may be looking at a Medicare 0 premium plan,

> but adding separate policies for both hospitalization and cancer coverage.

> She tells me, it looks like I can do this, with the 0 premium plan, for

> less

> money, and get a whole lot more coverage.

>

> But that doesn't mean you will. This is why you need to, IMO, sit with a

> professional who knows insurance, and specifically, the Medicare program,

> and go through different scenarios. It takes some time, but it may be well

> worth it.

>

> If you have some helpful tips or advice, please pass it on to us!

>

> Dave

>

> --

> Weather conditions on 11/5/2010 10:28:18 PM in Lancaster,

> Pennsylvania

> Clear, 39.9°F(4.4°C) Wind:WSW (250°) at 3mph (3KT)

>

> Join the BARD Talk list: bardtalk-subscribe

> Visit the BARD Talk web site: http://www.bardtalk.com

>

> Created by Weather Signature v1.32 . http://www.weathersig.com

>

>

>

>

[Guest guest]

While blind people under 65 can qualify for the advantage plans it is very

difficult to get affordable supplemental insurance coverage that covers the

20% deductible when you are under 65.

Chuck

Medicare and plans for US diabetics

>

>

> Sorry to non-US members! This topic won't be of any benefit to you.

>

> This is the 4th year I think, that I've discussed with my agent, and

> changed

> my Medicare plan, and in particular, my part-D or prescription drug plan.

>

> I thought I'd post this as a reminder, but also to trigger some discussion

> in case it might be helpful. The plans change every year, so if you

> haven't

> re-examined your plan, you'll want to do that.

>

> And, my agent tells me, put your seat belts on, because next year will see

> even more changes!

>

> I will be meeting with my agent some time in the coming weeks (we have

> until

> December 31) and this year, I may be looking at a Medicare 0 premium plan,

> but adding separate policies for both hospitalization and cancer coverage.

> She tells me, it looks like I can do this, with the 0 premium plan, for

> less

> money, and get a whole lot more coverage.

>

> But that doesn't mean you will. This is why you need to, IMO, sit with a

> professional who knows insurance, and specifically, the Medicare program,

> and go through different scenarios. It takes some time, but it may be well

> worth it.

>

> If you have some helpful tips or advice, please pass it on to us!

>

> Dave

>

> --

> Weather conditions on 11/5/2010 10:28:18 PM in Lancaster,

> Pennsylvania

> Clear, 39.9°F(4.4°C) Wind:WSW (250°) at 3mph (3KT)

>

> Join the BARD Talk list: bardtalk-subscribe

> Visit the BARD Talk web site: http://www.bardtalk.com

>

> Created by Weather Signature v1.32 . http://www.weathersig.com

>

>

>

>

[Guest guest]

You're right. And thankfully, at least for strips and meters, most of the

suppliers will not charge for the 20% and claim it as a write off. But I've

discovered that you need to ask for them to do this, or tell them you'll find a

supplier who will not charge for the 20%. This is perfectly legit. Typical

government stuff!

Dave

--

Weather conditions on 11/12/2010 5:14:39 PM in Lancaster, Pennsylvania

Clear, 57.9°F Wind:ENE-070° at 7mph

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Created by Weather Signature v1.32 . http://www.weathersig.com

Medicare and plans for US diabetics

>

>

> Sorry to non-US members! This topic won't be of any benefit to you.

>

> This is the 4th year I think, that I've discussed with my agent, and

> changed

> my Medicare plan, and in particular, my part-D or prescription drug plan.

>

> I thought I'd post this as a reminder, but also to trigger some discussion

> in case it might be helpful. The plans change every year, so if you

> haven't

> re-examined your plan, you'll want to do that.

>

> And, my agent tells me, put your seat belts on, because next year will see

> even more changes!

>

> I will be meeting with my agent some time in the coming weeks (we have

> until

> December 31) and this year, I may be looking at a Medicare 0 premium plan,

> but adding separate policies for both hospitalization and cancer coverage.

> She tells me, it looks like I can do this, with the 0 premium plan, for

> less

> money, and get a whole lot more coverage.

>

> But that doesn't mean you will. This is why you need to, IMO, sit with a

> professional who knows insurance, and specifically, the Medicare program,

> and go through different scenarios. It takes some time, but it may be well

> worth it.

>

> If you have some helpful tips or advice, please pass it on to us!

>

> Dave

>

> --

> Weather conditions on 11/5/2010 10:28:18 PM in Lancaster,

> Pennsylvania

> Clear, 39.9°F(4.4°C) Wind:WSW (250°) at 3mph (3KT)

>

> Join the BARD Talk list: bardtalk-subscribe

> Visit the BARD Talk web site: http://www.bardtalk.com

>

> Created by Weather Signature v1.32 . http://www.weathersig.com

>

>

>

>

[Guest guest]

You're right. And thankfully, at least for strips and meters, most of the

suppliers will not charge for the 20% and claim it as a write off. But I've

discovered that you need to ask for them to do this, or tell them you'll find a

supplier who will not charge for the 20%. This is perfectly legit. Typical

government stuff!

Dave

--

Weather conditions on 11/12/2010 5:14:39 PM in Lancaster, Pennsylvania

Clear, 57.9°F Wind:ENE-070° at 7mph

Join the BARD Talk list: bardtalk-subscribe

Visit the BARD Talk web site: http://www.bardtalk.com

Created by Weather Signature v1.32 . http://www.weathersig.com

Medicare and plans for US diabetics

>

>

> Sorry to non-US members! This topic won't be of any benefit to you.

>

> This is the 4th year I think, that I've discussed with my agent, and

> changed

> my Medicare plan, and in particular, my part-D or prescription drug plan.

>

> I thought I'd post this as a reminder, but also to trigger some discussion

> in case it might be helpful. The plans change every year, so if you

> haven't

> re-examined your plan, you'll want to do that.

>

> And, my agent tells me, put your seat belts on, because next year will see

> even more changes!

>

> I will be meeting with my agent some time in the coming weeks (we have

> until

> December 31) and this year, I may be looking at a Medicare 0 premium plan,

> but adding separate policies for both hospitalization and cancer coverage.

> She tells me, it looks like I can do this, with the 0 premium plan, for

> less

> money, and get a whole lot more coverage.

>

> But that doesn't mean you will. This is why you need to, IMO, sit with a

> professional who knows insurance, and specifically, the Medicare program,

> and go through different scenarios. It takes some time, but it may be well

> worth it.

>

> If you have some helpful tips or advice, please pass it on to us!

>

> Dave

>

> --

> Weather conditions on 11/5/2010 10:28:18 PM in Lancaster,

> Pennsylvania

> Clear, 39.9°F(4.4°C) Wind:WSW (250°) at 3mph (3KT)

>

> Join the BARD Talk list: bardtalk-subscribe

> Visit the BARD Talk web site: http://www.bardtalk.com

>

> Created by Weather Signature v1.32 . http://www.weathersig.com

>

>

>

>