How To Do Almost Anything.
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How To Take Advantage of Medicare Part D
Try to imagine the new medical insurance plan from a detached
position.
There is an excellent opportunity for seniors sharp enough to
see it, and it is
available to anyone willing to do a little math. The savings
presented in
Medicare part d are a little deceiving because at first glance
it looks like 75%,
when in fact that is only a portion of the overall savings in
the formula. Here is a
simple way to calculate how to take advantage of the new
government medical
insurance IF EXPENSES ARE OVER $2250 PER YEAR.
Four things need to be considered.
Start with annual prescription expenses. Figure out how much
would be spent
on prescriptions if there was no insurance at all. The full
retail amount is
important for this calculation.
Calculate which month of the year full retail costs reach the
"Magic Mark" of
$2250. This will expose when the medical insurance stops and
full retail costs
apply.
For plan costs, add up how much will be spent on the annual
deductible and
monthly premiums. (in the chosen medical insurance plan) Add
$500 to this
amount for the 25% not covered by Medicare part d.
Now add the full retail amount that will be spent for the
remainder of the year to
find the real expenses. Subtract savings ($1500) from expenses
to calculate the
real percentage of savings. Understand that 75% savings is
impossible to reach.
Here's How To Maximize Savings if Prescription Expenses Are
More Than
$2250
The "Magic Mark" for maximum savings is $2250 in medicare part
d. USE IT!
Once prescription costs go beyond that magic mark, the
percentage of savings
sinks like a rock. To avoid that problem and to take advantage
of every angle,
use another discount source for prescriptions.
Canadian medications are typically 30% - 40% less expensive, and
using a
Canadian Pharmacy to balance expenses is like an additional
medical insurance
policy. The recommendation is to buy enough prescriptions from
Canada every
three months to target the "Magic Mark" of $2250 with the
government medical
insurance. By spending exactly $2250 per year (Retail) through
medicare part d
and buying the balance of medications from Canada, the savings
will work out as
follows.
Approximately 50% - 60% savings will be had through the
government medical
insurance plan, and about 30% - 40% savings on the portion
purchased from
Canada. If there are some medications that can be bought from
Canada to help
target the "Magic Mark" of $2250 then figure out which Canadian
Prescriptions
offer the greatest savings and buy those medications from Canada
throughout the
year. Keep in mind some medications will not be covered under
Medicare part
d and those ones would be ideal to get from Canada.
One More Consideration
If expenses are beyond $5100 there can still be a significant
savings by using this
method. It depends on how much would be spent at full retail in
the year and
how far expenses go into the catastrophic end. Use a Canadian
Pharmacy to
supplement the Government Medical Insurance and avoid the
dreaded
un-insured portion... the "Doughnut Hole"
***Squeeze Every Dime Out of Medicare Part D*** How To Save
More Without Paying Insurance Premiums Click Here Now ==> Medicare Part D
About the author:
Professional Services Canada has been helping Americans save
money on prescriptions for over five years. They offer a
medicare supplement plan free of monthly premiums.
Written by: Darwin Corby
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