
William asks…
What is the deal with Medicare part D? Is it right for most everybody?

Medicare Insurance AZ staff answers:
If you have drug coverage from Tricare,the VA, employee or retiree coverage (check with the benefits administrator to see if it’s creditable) then you usually are better off keeping that coverage. Medicare accepts creditable coverage, which means if you have a prescription drug benefit that is at least as good as Medicare coverage, you can keep it.

Ken asks…
I have part D medicare, yet their is one of my meds they will not pay for. I have contacted various places for?
contacted the drug company and they will not help because we make too much money, of course they don’t take into consideration that the difference between income and bills. I have also contacted various agencies for help and no way…do any of you have any suggestions for me?

Medicare Insurance AZ staff answers:
You should go through the appeal process, according to the Medicare website. It says:
“What can I do if my Medicare drug plan says it won’t cover or pay for a drug that my doctor prescribed for me?
If your Medicare drug plan decides that it won’t cover or pay for a prescription drug, it must tell you in writing why the drug isn’t covered. This written decision is called a coverage determination or “Notice of Denial of Medicare Prescription Drug Coverage.” You should read this decision carefully because it will explain how to ask for an appeal. You have the right to ask for an appeal if your Medicare drug plan says it won’t cover or pay for a prescription drug. You should also talk to your doctor about whether you can take another drug that your Medicare drug plan covers.”
As part of your appeal, I suggest you have the doctor include a letter of exactly why you need it.
(My insurance company once refused to pay for my bone density scan. My dr. Wrote them a letter, calling then “dunderheads” and then saying if it were not paid, he would refer it to the state insurance commissioner. The insurance company then paid for it upon appeal).

John asks…
Why isn’t Medicare part D refered to as BushCare since Bush signed it to law? Why is ObamaCare so special?

Medicare Insurance AZ staff answers:
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Susan asks…
Need Help with medicare part D?
Questions about Medicare Part D For NewJersey?
Question #1. If you are on disability that is SSDI and under the age of 65 and on medicare part A and B, do you have to sign up for Medicare Part D?
Question #2. If you are on medicare part A and B no matter what age no matter what reason, is it voluntary to sign up for medicare part D, or is it a choice? does one have the freedom of choice? Or does medicare automatically sign you up?
Question #3. If you are a patient that was on hospice for 5 years and then discharged because you outlived the doctors prognosis does medicare automatically sign you up for medicare part D? and would a patient have to pay a penalty for something that was out of their control? This patient has medicare part A and B.

Medicare Insurance AZ staff answers:
NOTE: This is a better option versus trying to find a Medigap policy that includes Part D. They are called Medicare Complete policies and they even show Medicare Health Insurance Plans by States.
Http://www.medicaresolutions.com/
When you click on New Jersey, this is just one paragraph of what it says–New Jersey’s Pharmaceutical Assistance to the Aged and Disabled (or PAAD) program is a state funded prescription program which helps income eligible New Jersey residents with the costs of prescription medication. Drugs purchased outside the state of New Jersey are not covered and neither are pharmaceutical products whose manufacturer has not signed a rebate agreement with the state of New Jersey. Individuals looking to obtain Medicare insurance and specifically Medicare Prescription Drug coverage often have questions about the relationship between Medicare Part D and PAAD
NOTE: You should consider getting a Medigap policy that includes Medicare Part D. There are many plans out there that offer this option.
Here is a link concering Medicare Part D–http://mypartdusa.com/
NOTE: The answer below addresses all three of your questions above.
You always have to take the initiative to sign up and it is voluntary, even though there may be a penalty if you don’t sign up when eligible.
I believe (although I’m not positive on this so call up your local Social Security Office) that while under hospice, if medicines were included, you can still enroll in Medicare part D without penalty.
Of course, it’s always best to call your local Social Security Office or you can call the national 800 number at 1-800-772-1213.
If you have limited income and resources, and you qualify for extra help, you may not have to pay a premium or deductible–This is under the section (click on the first link below)–How does Medicare prescription drug coverage work?
When can I get Medicare prescription drug coverage?
You may sign up when you first become eligible for Medicare (three months before the month you turn age 65 until three months after you turn age 65). If you get Medicare due to a disability, you can join from three months before to three months after your 25th month of cash disability payments. If you don’t sign up when you are first eligible, you may pay a penalty. If you didn’t join when you were first eligible, your next opportunity to join will be from November 15, 2009 to December 31, 2009.
Http://www.medicare.gov/pdp-basic-information.asp#whympdc
There are also prescription cards you can get through private companies that might be just as good though.
RxAssist provides medicines to people who can’t afford to buy medicines.–http://www.rxassist.org/
There’s Partnership for Prescription Assistance–http://www.pparx.org/
Special Reduced and Free Prescription Drug Programs
http://www.peoples-law.org/health/charity-care/special_drug.htm
There are discount drug cards–http://www.needymeds.org/indices/discountcards.shtml

Daniel asks…
Medicare part D?
what is medicare part D?

Medicare Insurance AZ staff answers:
This is a very large subject.Medicare Part D is the Medicare prescription drug program that goes
into effect on January 1, 2006.
“Explaining Medicare‘s New Drug Plan—Not An Easy Task,” by Betsy White
Booz (July 21, 2005)
Town Times
http://www.towntimes.com/articles/2005/07/21/news/local_news/news11.txt
An official page concerning this program is:
“Your Medicare Prescription Drug Coverage Options”
Medicare.gov
http://www.medicare.gov/MPCO/Home.asp
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