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Karen Gallo Dunn

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Short Stories
· Illegal Aliens Explained in English

· Discrimination::: Walmart's Furball:: aka Sam's Club TRUE STORY

· Seabucthorn is Here in the US - Health

· WAR - Update: 8-6-05 My Heart Stopped on Sunday UPDATE

· Arginine - Stimulates LOWbido Naturally - Elk Velvet Antler High in ARGININE -

· Energy -- Natural Traditional Asian Nutrient - Oriental Aphrodisiac - Russian's Secret for Olympic

· E-Commerce - The Bermuda Triangle - Baptism By Fire - Perseverance or Insanity -- BEWARE !!

· Just WHO is IN CONTROL? Police/President/PEEPS ??

· Health Care? WHERE is it ?

· AMERICANS UNITE SB1070 Just the Beginning !!

· Hoover,Truman & Eisenhower & Roosevelt in 1907

· 1907 Theodore Roosevelt's Ideals

· ILLEGAL ALIENS::::Jan Brewer Good Decision

· Medicare Be Aware!!! President Obama Help

· Good Bye Saddam

· North/East/South/West Question ? Relationship?

· AZ-NV-CA Where the Discrete Elite Go To Relax, Meet and Enjoy the Wild West

· My Heart Bids Adieux

· Big Mistake? What's Your Take?

· WTF Michelle Obama

· Detroit's Hot (r)

· Good Bye Bushwacker

· God Bless America and OBAMA

· What is going on AMERICA? DePReSSioN

· Update 2-07 Stats::::Retirement/NON-Security/Death is there a Difference?

· Winter Woes of our Old

· American's Daily Prayer

         More poetry...
· Who will win the Super Bowl - Free Pool Place your Bets

· Medicare Part D

· UPDATE 12-26-12 :::.E-Bay Blues - Computer Fraud Update 12-07

· Monopoly on Flu Shots - Absurd Humana

· Help Our Poor - Toothless Seniors and Disabled

· Medicare Part D - Simply

· Medicare Part D

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Medicare Part D: Traditional, HMO, Medicaid

11/21/2005 12:36:00 PM

by Karen Gallo Dunn

All retired and disable recipients of Social Security Part A and B are now in the process of enrolling in Medicare for Part "D". Part "D" is the prescription drug coverage. This program launched November 15, 2005. Understand what action you should take based on the type of insurance coverage you now have or will not have on January 1, 2006.

1. Traditional Medicare

Do Nothing IF:

You have a creditable Drug Plan
(Example: Retirement Benefit, VA, Tricare, Federal Employee Health Coverage)

By now you should have received a letter from your provider stating if your plan is creditable – if NOT – the letter suggested you enroll in Part D because it offers the best drug plan available for the new coverage.

Consider Choosing a Plan IF:

-You have a drug discount card. These cards will be discontinued 12-31-05.

-You have a Medigap Plan “H”, “I”, “J”

These plans are not considered to be creditable and will not be sold once Medicare Part “D” begins in 2006.

-You receive “FREE” assistance directly from a drug company. At this time, the companies are contemplating phasing out their distribution and encourage recipients to enroll in Part “D” because it is the best primary drug source offering the most creditable coverage.


If you decide NOT to join Part “D” before May 15, 2006, your premium cost will increase up to at least 1% per month you wait to enroll.

You may not take medications now and you may be healthy now, however, as we age our bodies change and medical attention is necessary and in the event of hospitalization, out patient surgery, etc., prescription drugs are a necessity. This is a personal protection plan. Make the choice that is best for you.

2. HMO Medicare

Prevent confusion:


Your current Insurance Company is approved by Medicare for Part “D” enrollment and your Doctor is in their Network. By now you have received your re-enrollment form for Medicare Part “D”. Fill them out and send them in and you will be enrolled in your current plan including part “D” coverage for 2006.


Based on your Doctor’s Choice of Insurance Providers, choose one of the Insurance Company he/she prefers. Choose the best Insurance plan available within your Doctor’s NETWORK offering a Medicare Advantage/Choice Plan. Check out the pharmacy within that network that offers YOUR drugs at the best price for YOUR personal needs.

If possible, enroll in an insurance company offering ZERO premiums and ZERO co-pay for Doctor Visits as well as additional benefits not included in traditional Medicare coverage.

The approximate charge for Part “D” = +-$32.00, plus deductibles and co-pays. Additional benefits are based on the Insurance Product you choose.

3. Medicare/Medicaid Dual Eligible

Senior and disabled Recipients of Medicare Part “A” and Part “B”
With Medicaid MUST join a plan in order to get drug coverage by
January 1, 2006.

Why: Medicaid will NO longer pay for prescription drug coverage, this will be covered by MEDICARE PART “D”.

Make your choice by January 1, 2006, if you do NOT, MEDICARE will enroll you in a plan to make sure you do not miss a day of coverage. (Page 3 of Medicare BOOK)


l. Ask your Doctor. You do not want to loose your Doctor and your medical routine.

Plans are available specifically for dual eligible recipients. Based on your Doctor’s Network choices, choose an insurance company offering additional health benefits and services with ZERO premium and ZERO co-pay for doctor visits.

All information is available in your Medicare & You Guide for 2006

Medicare Web Site

More News by Karen Gallo Dunn

· Who will win the Super Bowl - Free Pool Place your Bets - 1/25/2007 9:41:00 AM
· Medicare Part D - 8/17/2006 11:19:00 PM
· UPDATE 12-26-12 :::.E-Bay Blues - Computer Fraud Update 12-07 - 5/31/2006 5:44:00 AM
· Monopoly on Flu Shots - Absurd Humana - 12/6/2005 1:26:00 PM
· Help Our Poor - Toothless Seniors and Disabled - 12/1/2005 12:31:00 PM
· Medicare Part D - Simply - 11/8/2005 4:10:00 PM
· Medicare Part D - 9/20/2005 12:36:00 PM
· Business Opportunity Healty & Wealth:: Seabuckthorn - 9/18/2005 6:44:00 AM
· Quicken Buy On Line = Rip Off - 9/17/2005 2:04:00 PM
· Target Store News UPDATE:: New INFO - 8/16/2005 5:58:00 AM
· Peter Jennings - The Helm for News - 8/8/2005 4:40:00 PM
· 8-15-05 the MOON is BACK - 8/6/2005 5:21:00 PM
· Inagural Year for ABA Basketball -Sponsorship Opportunity - 5/26/2004 4:28:00 PM
· Boost Military Morale  - 9/21/2003 6:22:00 PM
· 86 Year Old Earl O'Neal - Perpetual Problem! Dynamic Duo Strikes Again - EVA & Craftmatic - 9/9/2002 9:35:00 AM
· You can ADD More Life in your Years - People & Pets - 9/9/2002 8:29:00 AM
· NORMALIZING YOUR Body Functions helps to maintain Energy-Sexuality & Anti Aging -100% Natural - 11/25/2001 3:48:00 PM
· SOON TO BE RELEASED - - 11/24/2001 4:29:00 PM
· AVON CLASSIC - Thank You Race Enthusiasts - 11/20/2001 10:14:00 AM
· E-Com Global Inc Signs Exclusive Five Year Contract with LifeQuest Nutrients of Alberta Canada - 10/21/2001 8:49:00 PM

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