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By: michael Posted: Nov 16 2005 08:52:48 PM

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The new Medicare Prescription Drug Plan is not good. Please, everyone, read the fine print. If you cannot understand it, go to a local WalMart and find the Humana representative who has set up shop in many store locations. Talk in depth to the representative and find out how the new Medicare Plan is going to be very expensive for you (you don't have to sign up with Humana, just talk to the guy, it will make it easier for you to understand the actual rules of this new Medicare Prescription Plan). Why do I say this? Because it calculates your out of pocket by the percentage cost of the raw cost of the drug, not a co-pay, and believe me, that type of plan will be extaordinarily expensive. For example, my drugs actually cost on the average $2,475 per month. Since I was paying a copay of $!0 or $25 or $50, I had NO idea how high the raw cost of the drugs were! Many of us were used to the co-pay system, so paying a percentage will shock you. Plus, I don't really like how the Medicare rule book threatens us - by saying that if you don't sign up now, you will be penalized when you need it in the future. (The penalty is something like 1% for every month you could have joined up and didn't, and I just hate to have my government threatening me.) So getting back to the plan. For me, the cost of my first month would be about $975 out of pocket per month, first because of the $250 deductable, and then me paying a percentage of the raw cost of the drugs, not a co-pay. So I pay 25% of $2,000 which is $500. Then, since my drugs were over the $2,250 limit, I had to pay 100% of the remaining amount which would be about $225. The total for my first month would be $975! Then, the second month I would have to pay 100% of the cost of my drugs which would be $2,475. Why so much? Because there is a little provision that says that you must pay 100% of the raw cost of the drugs from $2,250 to $5,100. Medicare pays nothing - 0%. You pay 100% of the cost of your drugs over $2,250 and you continue to pay 100% of the raw cost until you reach $5,100. Then, after the $5,100 limit, you pay 5% which for me is about $95 a month. The booklet says that I will pay $3,600 out of pocket until they start to pay 95% of the raw cost of the drugs, but depending on the company you sign with, you might pay even more than that (Humana calls certain drugs 'Specialty Drugs' for which you will pay 25% co-insurance but these are mostly the newest drugs that are extraordinarily expensive). Plus don't forget we also have to pay a monthly premium, which could be on the average $38 a month, or anywhere from $5 to 150 depending on the company you sign with, since they also look at your medical history as well and so the premiums could be higher if say you have diabetes or a pain condition like me, need new, expensive sleeping pills. And remember, this is a yearly contract, so you have to go through the $250 deductible again and pay that devious little part - 100% , yes 100%, from the $2,250 to $5,100 range. This percentage payment type plan is very expensive for seniors on a fixed income. Write your congressman and ask for a "co-pay" system instead. It is less complicated and more fair to the elderly. Please try to find a person who really can sit down with you and crunch your numbers. Don't believe that your government is going to help you, the drug companies have had a major say in writing the contracts for this whole thing. Notice how they are the ones who are selling their premiums? The government has nothing to do with this. I'm just trying to get the message out and I just feel a sinister presence with the drug companies. Phizer (sp?) is the worst. They actually want to prevent Americans from going to Canada and are pressuring law men and women to pass legislation to jail Americans who try to buy drugs in a cheaper place. This reminds me of Russia during the cold war who prevented their citizens from travelling to certain countries. Please, don't allow drug companies to tell you were you can travel and where you can shop. That's just crazy. Many congressmen have not actually read the fine print with this "Plan D". Try to write congressman and women and senators, etc., who pass legislation benefitting drug companies and not the elderly. Take an hour and read the fine print and then collect your thoughts and write your Congressmen. Thanks, from Sylvia.

By: sylvia Posted: Nov 30 2005 03:52:22 PM

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Helping oUr Grandparents: (HUG) Did you know that Medicare offers Insurance coverage for your prescription drugs? Afraid of choosing the wrong plan for your drug needs? Did you hear about the U.S. Government website available to help you find a plan? Do you wish you had easy access to that website? Isn’t it overwhelming to choose a plan from the large selection of options? If you answered “yes” to any of the above questions, than you need a HUG! HUG is a team of computer savvy teenage volunteers who will devote personal attention to the needs of each individual Medicare enrollee and help navigate the Medicare website on your behalf to find the Medicare prescription drug coverage plan that you need, free of charge. By merely completing a Plan Search Form, which reflects your personal information,HUG volunteers will find the top three (in view of price, benefits, and convenience) Prescription Drug Coverage Plans suitable for your needs in addition to a list of local pharmacies that support your top Prescription Drug Plan. If you or some one you know needs help choosing a Medicare Part D Prescription Plan- now is the time to get a HUG volunteer and help you get started with a Plan Search Form. Email DafnaG@optonline.net

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It’s no secret that older Americans travel to both Mexico and Canada to fill their prescriptions at a fraction of the price they would otherwise pay in the USA. But what many still don’t know is that they can now safely and legally fill those same prescriptions through the mail with licensed, regulated British pharmacies. One British pharmacy that is helping US citizens do this is www.rxchemist.co.uk. Alex Lawson is responsible for overseeing the operations of www.rxchemist.co.uk , which launched in February this year, allowing seniors to order their prescriptions from its pharmacy in the UK. Asset Chemist, which administrates www.rxchemist.co.uk , is now bringing its expertise in dispensing, to the online dispensing business. “Prescription costs in the US are simply outrageous,” Lawson said. “I spoke to my Uncle who lives in Maryland, and he said, seniors are having to choose between filling their prescriptions or eating, What kind of choice is that? www.rxchemist.co.uk exists to help connect these seniors with our licensed pharmacies in the UK which operate under strict guidelines.” “The FDA is a roadblock for seniors,” Lawson added. “ Their scare tactics are causing people to think of all internet pharmacies as fraudulent and uncontrolled. But that is simply not the case. There is fraudulence online, but we are talking about a legitimate established pharmacy business dispensing name brand drugs made by US manufacturers.” “We are more than an Internet shop, as along with all the products and services you would expect from a high street pharmacy, we offer a wealth of information and advice on health issues, medical problems and different treatments to enable customers to make the most informed choices possible. While we are essentially an online business, Asset Chemist Ltd also has bricks and mortar outlets.” Experience indicates that you are as safe getting your prescriptions filled out of the UK as you are in the US, that’s because UK’s pharmacy industry is tightly regulated by the Medicines and Healthcare Regulatory Agency (MHRA). “For every order we receive, it warms my heart that a senior citizen has saved money on their prescription medication,” Lawson finished. “That’s exactly what we are here for.”

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