 |
Magnate
|
|
Join Date: Aug 2006
Posts: 2,136
|
|
|
Magnate
Join Date: Aug 2006
Posts: 2,136
|
My answers: - na
- Difficult. It took me a couple of months before I began to understand the design. At first I enrolled into a plan that did not cover the Gap in 2006. Another PWP informed me of a plan that did cover the Gap, and I switched to that plan 48 hours before the deadline in early 2006. Enrollment was the easy part, just tell the insurance company and they take care of notifying Medicare so that they can tell SSDI to take my premium out of my disability benefits.
- I feel that the penalty was only imposed in order to force all eligible Medicare recipients to enroll. The reason for the forced enrollment is so that premiums can be taken in by the healthier beneficiaries, thereby offsetting those of use who cost the plan like me...over $1,200 a month in RX cost. While I can understand the need for the healthy to offset the not so healthy, I don't feel that it is fair to force people to enroll.
- Part D is not complete in its' design. The design should be more like and employers plan would be; no Gap. I was in employee benefits for over 15 yrs and I can't imagine that there in an employer in the US that would design a plan like Part D. Another way that the plan in "incomplete" is that it set no guidelines for insurance companies, who have re-designed the plan to such an extent that is makes people have to wade through plan after plan in search of the best plan, and even when you find what you feel is the right plna, you have not idea if it is the right plan. Nor do you know if the premium is fair, because even the premium runs the gammit.
- Fortunately I did not continue with my 2006 plan with Humana. I received a letter just today from Humana telling me that my 2006 pharmacy will not be included with the Humana plan for 2007.
- na
- In 2007 Humana will not cover the Gap, not even to provide a co-payment for generics. I did enroll in one of the AARP plans for 2007, which allows for generic coverage co-payment for 2007. In 2007, I will have to discontinue a couple of Brands, unless an older generic is available. If there is not generic, like with Azilect, I will simply not be taking the medication once the Gap arrives at my pocketbook.
__________________
You're alive. Do something. The directive in life, the moral imperative was so uncomplicated. It could be expressed in single words, not complete sentences. It sounded like this: Look. Listen. Choose. Act. ~~Barbara Hall
I long to accomplish a great and noble tasks, but it is my chief duty to accomplish humble tasks as though they were great and noble. The world is moved along, not only by the mighty shoves of its heroes, but also by the aggregate of the tiny pushes of each honest worker. ~~Helen Keller
|