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Medicare Part D Prescription Drug Plans

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The Annual Open Enrollment Period is November 15th To December 31st For Help Contact Me Now
Because this is the Annual Election Period, I am helping people everyday of the week

CMS, the Center for Medicare and Medicaid Services, requires that insurance agents providing Medicare Part D Prescription and Medicare Advantage Plans to people on Medicare, first receive from the Medicare beneficiary the Government form below or have an approved teleconference call with you.   After I receive the Scope Of Appointment form from you either by fax, mail or email, or we complete the call, then I can provide you with detailed Medicare Part D prescription and Medicare Advantage Plan information.

Government Form

I have very popular Medicare Part D Prescription Drug Plans.  Plan availability and premium cost, depends on many factors, including zipcode of residence and election period.   Please phone 407-592-0311 or email for details.

There is no charge to the individual for using the services of a licensed health insurance agent—the commission is entirely paid by the carrier. The carrier is prohibited from selling the policy any cheaper if an individual does not use an agent.

Medicare Part D Prescription Drug Coverage

Medicare prescription drug coverage is insurance that covers both brand-name and generic prescription drugs at participating pharmacies in your area. Medicare prescription drug coverage provides protection for people who have very high drug costs or from unexpected prescription drug bills in the future.

Everyone with Medicare is eligible for this coverage, regardless of income and resources, health status, or current prescription expenses.

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, 2008 to December 31, 2008.

Your decision about Medicare prescription drug coverage depends on the kind of health care coverage you have now. There are two ways to get Medicare prescription drug coverage. You can join a Medicare prescription drug plan or you can join a Medicare Advantage Plan or other Medicare Health Plan that offers drug coverage.

Whatever plan you choose, Medicare drug coverage will help you by covering brand-name and generic drugs at pharmacies that are convenient for you.

Like other insurance, if you join, generally you will pay a monthly premium, which varies by plan, and a yearly deductible. You will also pay a part of the cost of your prescriptions, including a copayment or coinsurance. Costs will vary depending on which drug plan you choose. Some plans may offer more coverage and additional drugs for a higher monthly premium. If you have limited income and resources, and you qualify for extra help, you may not have to pay a premium or deductible.

Medicare prescription drug coverage provides greater peace of mind by protecting you from unexpected drug expenses. Even if you don't use a lot of prescription drugs now, you should still consider joining. As we age, most people need prescription drugs to stay healthy. For most people, joining now means protection from unexpected prescription drug bills in the future.

Medicare Part D Prescription Plan Minimum Benefits for 2009

  •     Deductible – A deductible of $295. You usually pay all of your drug costs, up to $295. After you have paid $295 deductible for your drugs, you     usually pay 25% of your prescription drug costs up to $2,700.
  •     Plan must pay 75% of the prescription cost up to coverage limit
  •     Initial Coverage Limit – The coverage limit is $2,700. Once this limit is reached for prescription drugs, your coverage stops. You are responsible for paying 100% of the drug costs up to $4,350 (including the costs of the deductible and coinsurance). This period is known as the Coverage Gap or Donut Hole.
  •     Catastrophic Coverage – Once you have reached the out-of-pocket costs of $4,350, you qualify for catastrophic coverage. You will pay no more than 5% of your drug costs for the remainder of the year.
  •     Coverage Gap or Donut Hole - This is when you would be paying 100% of your prescription drug costs you qualify for catastrophic coverage.

Please call 1-888-592-0311 extension 702 or email for information

John K. Arnold
Managing General Agent
Over 26 years of insurance experience working for you
Website Address  www.my-medicare-plan.com
E-Mail: John K Arnold   

Phone: 407-592-0311
Fax:     407-386-7053

If outside the US, it is best to e-mail as we can respond more quickly.  Thanks.

For information on Florida Health Insurance including individual health insurance, temporary health insurance, group health insurance, HIPAA and group health insurance plan please visit www.floridahealthinsurance.com

Let me know how I can help you.