(1-800-MEDICARE) Once you have read the information on their
web site and the booklet you receive in the mail, call them to make sure you are
signing up for the correct plan. This is very confusing to most
Remember that there's a 24 month waiting period before you can receive Medicare once you have been awarded SSDI. There are a couple of exceptions but the general rule is 24 months
- If you are new to Medicare, you should consider your
options for Medicare prescription drug coverage. You may sign up when you first
become eligible for Medicare. If you do not sign up when you are first
eligible, you may pay a penalty. If you currently have Medicare prescription
drug coverage, you should review your coverage each year in the Fall. You might
want to switch Medicare prescription drug plans if another plan better meets
your needs. Generally, you can only switch plans from October 15 - December 7
this year. In certain situations, you may be able to change plans at other
* if you move out of the service area of the plan you are in,
* if you have both Medicare and Medicaid,
* if you live in, or move into or out of an institution (like a nursing home),
* if you have creditable prescription drug coverage and that coverage ends.
- If you already have prescription drug coverage through your Medicare private health plan or other insurance, check with your current plan to see if this coverage is changing. Unless you have other drug coverage that is, on average, at least as good as standard Medicare prescription drug coverage, it's important for you to join a Medicare prescription drug plan when you are first eligible. For most people, joining when you are first eligible means you will pay a lower monthly premium than if you wait to join until later.
- If you join, your costs will vary depending on which plan you choose. In general, you pay a monthly premium. Most Medicare Prescription Drug Plans have a coverage gap (also called the "donut hole"). This means there's a temporary limit on what the drug plan will cover for drugs. Not everyone will enter the coverage gap. The coverage gap begins after you and your drug plan have spent a certain amount for covered drugs. In 2013, once you and your plan have spent $2,970 on covered drugs (the combined amount plus your deductible), you're in the coverage gap. This amount may change each year. Also, people with Medicare who get extra help paying Part D costs won't enter the coverage gap.
- If you get help from Medicaid in paying your Medicare premiums, receive Supplemental Security Income, or get full Medicaid benefits, you don't need to apply for extra help. Medicare already knows you qualify for this help. You will get a letter from Medicare in May or June telling you Medicare will help pay the cost of your Medicare prescription drugs.
I went unto Part "D" myself, the following is research into how to investigate which provider is best for you.
- You have a couple of options in your search but you need to start on this page: http://medicare.gov/sign-up-change-plans/get-drug-coverage/get-drug-coverage.html
- Scroll down and click on "Find-a-Plan". The option in which you do a "personallized search" was not performed because I didn't want to supply my SS number. I entered my zip code in the general search box.
- The next page will list the drug plans available in your area.
- Now we are going to get into the "decision" process. Each plan has a few elements that are going to be the same. One is a premium which is paid every month and the "hole" in the plan. The hole is the dollar amount that you will have to pay for the drugs once you pass the $2,400 limit. This limit does not include the monthly premiums.
- Premium cost, annual deductable, and co-pay are the factors that must be taken into consideration. A low monthly premium does NOT mean you will pay less in the long run.
- As an example: Provider "A" has a monthly premium of $20, an annual deductable of $0, BUT their co-pay for medicine is $57 for "prefered" drugs. Provider "B" has a $20 monthly premium, an annual co-pay of $250, BUT their co-pay for prefered medicine is only $30. In the long run, paying the annual deductable of Provider "B" maybe the best situation.
- Determine the price range you are willing to pay (monthly premium) and click on one of the providers. This page will show the co-pay amounts for the different tiers of drugs, such as, the cost of their generics, prefered brands, non-prefered brands, etc.
- Now click the button: "View plan formulary". You'll then be able to list the drugs you need. The information you receive will show if the provider carries the drug and what tier the drug falls under. Then check the plan details page for the co-pay amount for that drug.
Medicare Rights Center - Medicare Rights
Center (MRC) is the largest independent source of health care information and
assistance in the United States for people with Medicare. Founded in 1989, MRC
helps older adults and people with disabilities get good, affordable health
State Quarantine and Isolation Statutes -
Public health quarantine and isolation are legal authorities that may be, but rarely are, implemented to prevent the spread of communicable diseases. Isolation may be used for ill people.
NeedyMeds.org has information on medicine and healthcare assistance programs. We do not run a patient assistance program, and we do not supply medicine or financial assistance.
Free / Low-Cost Health Clinic Finder
The Partnership for Prescription Assistance can help you find free or low-cost health clinics near your home.
Express Scripts Specialty Distribution
Developed Rx Outreach to provide a safe, affordable, and easy way for people of all ages to get medicines they need. The program offers prescription medicines to uninsured individuals and families, as well as those who have limited prescription drug coverage.
Patient Advocate Foundation's Co-Pay Relief Program
"The Patient Advocate Foundation (PAF) Co-Pay Relief Program (CPR) currently provides direct financial support to insured patients, including Medicare Part D beneficiaries, who are financially and medically qualified for pharmaceutical treatments and/or prescription medication co-payments, co-insurance and deductibles relative to your diagnosis."
The Assistance Fund
The Assistance Fund is a leading 501(c)3 nonprofit organization created to make advanced biotech therapies available to the underinsured. As new scientific discoveries are brought to market and diagnostics are created to establish appropriate therapy guidelines, The Assistance Fund works with individuals to make access a reality, putting us at the forefront of service delivery, speed to therapy and compliance to therapy.
The National Organization for Rare Disorders Patient Assistance Program
NORD's Patient Assistance Programs has administered Patient Assistance Programs to help patients obtain life-saving or life-sustaining medication they could not otherwise afford.
"When health insurance is not enough, HealthWell fills the gap. We assist patients living with chronic and life-altering illnesses in paying their share of prescription drug copayments, deductibles, and health insurance premiums."
"RxHope is exactly what its name implies...a helping hand to people in need in obtaining critical medications that they would normally have trouble affording. "
This site will help you contact participating drug manufacturers that can help supply you with free or reduced medications. There is a brief questionnaire to fill out. NO personal questions are asked. If you don't have internet access you can call for directory of participating pharmaceutical companies at: 800-762-4636
Here is a contact list of pharmaceutical companies that have programs to assist the elderly and the disabled with prescription drugs. These companies offer discount cards and programs to fund your prescriptions . Call and ask for information but make sure you understand how participating in one of these programs will affect other prescription assistance programs you are enrolled in.
- GlaxoSmithKline's The Orange Card: (888) 672-6436
- Eli Lilly's LillyAnswers Card: (877) 795-4559
- Novartis' The CareCard: (866) 974-2273
- Pfizer's The Share Card: (800) 459-4156
- Abbott Laboratories
Bristol-Myers Squibb Company
Johnson and Johnson
Ortho-McNeil's TogetherRx Card:
(800) 865-7211 (to contact the companies listed above)
Mortality Rates Due to Alcohol and Drug Use
A comprehensive overview of the mortality rates of alcohol and various drugs put together by the drug abuse and treatment researchers at Foundations Recovery Network.
Gut Flora May Offer Clues About Autism
It's now being suggested, however, that these GI problems may be a symptom of an underlying problem - abnormal gut flora that is not only causing the GI disturbances but also possibly the behavioral symptoms associated with autism.
MedLine Plus search their database for information on the drugs you use. Site contains
description, interaction, precautions, etc. of todays most popular
Xubex Pharmaceutical Services
Xubex offers assistance to qualified individuals for generic
medications through its innovative program. A licensed pharmacist in the United
States fills all prescriptions with the same medications available from your
local pharmacy. There is no cost to join and no monthly
Xubex Pharmaceutical Services