Hi Dennis,
Do you receive ANY Medicare benefits now?
And if so, did you have to wait 24 month's.s before receiving them?
I have been told by everyone there is a two year wait for the benefits of
Medicare.
and...have the pamphlets to to confirm this. Page two, Medicare Soc Sec.
pamphlet#o5-10043, ICN460000printed Sept 2004.
There ARE Donut Holes (mmmmmm......DONUTS......) I'm sure you know this, but
you may call 1-800-633-4227 or www,medicare,gov for for ANY questions but
specifically Publication CMS 10126 addresses Medicare savings programs. Another
thing..I'm confused alot and would screw things up more. There are Special
Enrollment situations (of which I don't fit into) if your are a government
employee (whats up with THAT?) and more....
Personally, I know it's it a lot of BS. When you see so many adds on prime
time TV wanting someones business, they are gonna' make a bundle. They even have
employee's set up with tables at drugstores pushing Aetna, Humana, etc....and
are aggressively seeking our business...if we have Medicare. OH...again did you
have a two year wait to start medicare? AND YOU RECEIVING MEDICARE BENEFITS AND
CAN NOW DO TO THE C AND/OR D mess?
I have Cobra at 305.00 per month, and Humana told me no more PEG/?Interferon
after the first six weeks, Cost to me? 2800,00 per month. I actually feel good
that I can't take treatment, because I get Staph too easy, I would stress myself
out if I thought it might help and didn't make me sick with Staph,(generally 2
to 5 week Hospital stay for me) if it was Just8st money. So as I weird as it
sounds, I'm glad I can't take it.
I haven't even approached any C or D programs because I still have 19 months
to wait for A and B coverage.
If I was 65 or older, I (THINK) it would kick in immediately.
I'm fortunate that I get 1645,00 per month, but that doesn't cut it either. I
will be looking for a roommate or something to help.
I know I haven't helped you much, if any, Sorry but this is all I know.
Two year wait is basically a death sentence to most, and the poor part time
employee at the local drugstore unwittingly becomes the AX MAN for UNCLE SAM, or
The GRIM REAPER , to many of us. It's so wrong and the only reason I can figure
is this is going on, is to make/save money for government and they also benefit
from not having to deal with us anymore.. Whoever handles your program will the
one you may, even distancing more the people from the Government.
Drug companies don't like it, they will sell less drugs.
Dr's don't like it... their patient can't afford the scripts ...OR get sicker
OR die in a two year wait program.
Drugstores sell less drugs
In my opinion, I believe the Gov. did a research regarding profit and loss.
All businesses need this information to see where the money is spent and how
they can efficiently make more, and cut costs.
Well I think the us gov SAW A ???% OF PEOPLE DIE ANYWAY EVEN IF THEY GET THE
DRUGS IN THE FIRST TWO YEARS AFTER BEING APPROVED, and
basically just don't give us drug assistance and we die off and they have
saved billions(?) .I HAVE TRIED TO LOOK AT THIS WITH UN JADED EYES, AND i COME
BACK TO THE SAME PLACE EVERY TIME.
Who else benefits except the Insurance Co. that we are forced to deal with,
and the US Government?
Deliman
Now look what you did... I just used a little energy and being the sugar/carb
freak I am I've morphed into Homer Simpson!!!! mmmmmmmmmmmmmDONUTS!!!
IS there some way around the two year wait? anybody? I don't have Lou Gehrig's
or kidney problems or ever worked for the government. I'm just regular and sick.
Del
.com
Case example- mine: First of all, neither hepatitis, nor any drug
used to treat hepatitis is mentioned in my Part D coverage plan, but
for purposes of discussion let's assume that medicines for treating
hep-c were added later:
I was estimating the costs of treatment when it becomes available to
me, assuming of course that my part D plan would even cover the
medicines, which is unlikely, but: The Part D Bush plan would cover
the first 6 weeks of a 48 week treatment- thereafter I would have to
pay the next $3,500.00 out of some magic pocket that I don't have. I
just have no way to come up with that amount of money. After that
$3,500.00 is paid out of the magic pocket, the expenses each month
would be $150.00 for the rest of the course of treatment. Add to that
a monthly round trip transportation cost to the specialists office
(in another city) for blood tests at $50. per trip, thanks to Bush
illegal and unjustified invasion of Iraq gas prices. That is $200.
per month direct cost to me for the remainder of the treatment.
Now, with a low Social Security Disability income of somewhere around
$628. minus $3,500.00 from somewhere unknown, maybe a UFO, then minus
$200.00 per month that leaves $428.00 per month for rent, utilities,
food, transportation costs, and other sometimes essential expenses.
This does not even include the costs of other necessary medicines.
For example, just 30, 5mg oxycodone tablets per month (which is
inadequate btw) for chronic pain issues, cost $69.00 then there is
anit-inflammatories and recent antibiotics for an infection (toothe
extraction), so monthly costs are already between $100 and $200.
This Part D medical plan is just plain not workable and I am far
worse off than before this Bush mass deception.
I told my neighbor that the new Bush plan, Medicare Part D is a slow
death sentence for millions of people like myself.
The media constantly talks about Seniors, seniors, seniors, and how
great this plan is for them- like if their medication costs are $200
per month or less they have a good deal. The media RARELY focuses on
the disabled and especially those in need of more expensive treatment
medicines, such as for hep-c.
I wanted to write to numerous newspapers and tell them to start
focusing on the really BAD aspects of Plan D, in example disabled
people who have very low fixed disability incomes and need expensive
medicines, they are systematically excluded from the benefit of
receiving costly treatments.
In previous years a number of research studies have always found that
it is less expensive to TREAT hepatitis-c than to pay out the long
term consequences of not treating it, and these studies were done
before the SVR rates were above 50% as they are now, which means that
from a cost standpoint treatment is even more economically
advantageous than not treating.
This whole medicare Part D plan is going to be a disaster. You can
mark my words on that.
I have heard hints to the effect that there are ways to work around
this bad situation but I have yet to see a single case of anyone
being able to work around it. I have in fact only heard about
disabled people who are paying 4 times as much for co-payments and
people who have had to abruptly stop essential life saving treatments
because Part D does not cover them and when they are covered these
disabled persons have no way to come up with the 'Donut Hole' money
and high monthy copays after the Donut Hole payment, so the
treatments have been abruptly discontinued.
In the case of millions of people like myself, unless they have
$3,500.00 cash on hand for the 'donut hole' we will not even be able
to be offerred the treatment in the first place. With no way to pay
the cash portions for it, it just won't be offered.
If there is a way to get around this situation it must be very
obscure, complicated, involve alot of red tape, paperwork and maybe
even lawyers. Most disabled people are not going to be able to jump
through all of the circus hoops and get the needed results. This
plan is a disaster.
That is one aspect of the problem, the other is the fact that the
insurers can remove any drug from their list of covered medicines if
they think it is too costly, and drug companies can raise their
prices at any time they wish. After the deadline of May 15thfor Part
D signups, I think we will see this happen steadily through-out the
coming years.
Has anyone here figured out how to get around this Part D plan? That
is, if the medicines are not covered in the first place and if a
person can get coverage how does one deal with the $3,500.00 'Donut
Hole' and additional high monthly copayments which can run into
hundreds of dallars?
I guess it doesn't matter much to me since treatment meds are not
covered anyway and it is unlikely that the insurer is going to want
to add them to the list.
I am (seriously) beginning to reconsider the possibilty of dying from
hep-c.
Oh well, I'll not think about that and try to enjoy what's left of
my life.
Dennis near Seattle
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