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I've already had to fight through understanding the " maze" for 2yrs and the rules change every year! Very depressing for aged, ill citizens. SMH

This was really helpful. I wish I’d had this information when I needed a part D plan. No one warned me I had 62 days after leaving my employer’s drug plan to get a Part D Plan. Worse, since I had deferred Part B from 65 to 70 when I retired, Social Security told me three weeks before the deadline that I needed to proof of drug coverage for the last 5 years or face lifetime Part D surcharges based on this large gap in coverage. I was able to do this with many calls, a lot of luck and the kindness of strangers. Had I kept my drug plan ID cards for the last five years, that could have been my proof of drug coverage. Working with an employer to get a verification letter in advance of retirement is optimal. If there are multiple employers and different insurers and the odd merger thrown in, obtaining proof of 5 years of coverage after the fact may not even be possible.

Very useful/helpful information. I'd only add that just because you have Part D coverage, that doesn't mean your insurance will always provide the best price on a particular medication. Any meds you run through insurance will count toward your coverage gap. If one of those meds can be gotten more cheaply OUTSIDE of insurance, like through GoodRX, you're better off bypassing insurance and buying the med out-of-pocket... it saves you money, and won't count toward the doughnut hole.

I am really glad I found Boomer Benefits to help me through the Medicare maze. Thank you.

I just love Danielle Kunkle-Roberts, and Boomer Benefits. Your truthful information is the best there is: clear, concise, accurate, understandable. As a Boomer Benefits client I am SO GLAD you’re in my corner. There are other (wanna-be) vids out there now, but I truly believe in Danielle and Boomer Benefits and sincerely hope my peeps, who I’ve recommended your service to, believe me. This stuff is HARD, and complicated.

You do such a nice job with these videos and also managing your Facebook Group. Quality on both fronts.

I really enjoy your videos! You are such as pleasant presenter! I have your book and have watched your videos more than once. Thank you very much 😁

What you pay is not the amount that goes toward your donut hole. The retail price is. That's why we hit the donut hole real fast if you have expensive drugs or are on several. The donut hole needs to go away and so does the deductible. I've found that Good RX coupons help me and my husband a lot. Just don't use the drug plan.

Great video. I like how you made part D simple to understand:)

I paid my first premium directly and got a bill for my 2nd month's premium. I paid the 2nd months premium AND Social Security deducted it also. This was in February 2021. I still haven't received my refund from the carrier despite numerous requests.

Fantastic videos. Thank you so much 💓

If GoodRx can get drug prices for so much less, why can’t medicare do the same?

Just viewed your video. Great information, thanks, I'll be looking for more of them, I'm thinking about moving from my Gov't plan to Medicare.....

Excellent video on a very complex topic.

This is the best explanation video for Medicare thanks.

EXCELLENT

In Florida, where competition for Medicare Part C marketplace is highly competitive, the included Part D plans are generally vastly superior to the standalone plan offerings. Almost no all have initial annual deductibles, and include more coverage in the coverage caps!

If I'm paying $40 for a med with a $300 price, that does not make me a winner. The only winner is the pharma company with all the pricing power. The price is ultimately baked into all of our premiums.

Well done and informative video

Compare drug prices with Good Rx and you will be shocked by how much money can be saved by using Good Rx pricing and avoiding Part D completely.

Great information. Is there any plan that does not require a pre-auth for certain drugs?

Thank you for this video, very helpful. I was going to call you but when I selected more I noticed you are not licensed in NY which is were I live.

Thank you”

Medicaid pays our deductible and premiums for Part D ...the LIS and extra help is great.

Note: This video begins with: "Did you know that prior to 2006, there was no retail drug coverage for people on Medicare?" ..."if you needed a brand new medication that cost $300, then that's what you paid for.? "

Besides great videos, I love your choice of clothing....love your blouses 👚

I know 25% and 5% sounds good but it’s still to high when your drug costs 10,000 a month especially when you need multiple drugs in this or higher price range.

No matter how many times part d has been explained to me i dont understand.

I got a "place holder" part D because I get all my drugs free from the VA.

I just wish they would make the information about how each plan/company pays for chemo drugs….so that we would know up front (before it’s needed), which plan/company we would want to be on. I keep hearing that getting the lowest cost premium plan (which is Aetna at $5.20 a month next year), is not the best idea. Why? Do they not cover things like chemo drugs or other expensive drugs, as good as more expensive plans? It would be nice to have a ‘cheat sheet’ that one could give a glance at, and see what each plan covers…then we would know, based on our own concerns, which plan to be in to begin with! Until then, I will buy the cheapest one, until I come down with something that they don’t cover well….and then I hope I can find out who will cover whatever I need when the time comes! How will I know which plan that is? Heck if I know! Seems there has to be some sort of a guide for us to utilize, to figure this out?! Ridiculous!

Boomer thanks for the update question when you are receiving SS benefits are you required to get part D.

How do I get my plan's drug formulary? I paid $192 for the second shingrix shot which fell under tier 3. The first shot I got when I ACA insurance and was free. I wasn't expecting it to be so much, but the pharmacist said the billable amount came from my insurance company. Can you let me know how I can get a copy of the drug formulary?

I pay 5.99 for good rx gold which most of the time beats med part d. And then buy the cheapest plan avail just I case I get put on a med that as astronomical

I was considering switching fromAdvantage to medigap and Part D but I do not react well to highly complicated plans. Advantage is $0 for my limited drug. Part D wants at least $200 annually (I think I see that correctly.).assuming I don’t screw up.

The general population should have the same Gold Lined coverage that the Politicians have. Increases should never be more than our so called raises.

IRMAA QUESTION? If I apply for Part D and Part G in November 2121 with coverage beginning on Jan 1 2022, what tax year do they use? 2019 or 2020??

I am a Type 2 Diabetic and I have to take an expensive insulin which would put me in the gap by mid-year. Currently I am on my wife's insurance and will be switching to Medicare in September. Is there something to help when you are on this type of medication to help reaching the gap so fast?

Hi Danielle I'm planning to move from California to Nevada or Arizona will my Plan D change?

Does my supplemental insurance cover my Part B deductible

is Part D same as PDP drug plan?

Rather have the premium deducted from SS check to lower AGI on tax form

You are beautiful. thanks for helping us.

It is real simple, You pay the first $500.00 then Medicare will pay part about 80% the balance of the year, till you go over $4000. then you pay 100%

I have a plan with and get my drugs through Kroger cost $84 a year.

25% of the retail drug price may be good but when you’re disabled at that is 1360$ it’s a lot.

My medication costs $300 annually. How Part d works for me

If a drug is too expensive to pay, just refuse to take it. Most are not absolute life saving drugs. There are alternatives. Doctors get a profit from prescribing a lot of these drugs, so throw many out there at you.

Planning to die before 80 (I am 64). With all the confusion over what I won't receive despite thinking I paid for it.. ("But wait...!"), Cannot go without insurance. Why not medicare give a burial plan to avoid undesirable cremation.? Or do they?

You need to explain to people that without knowing exactly what drugs they will need in the upcoming year there is no way to ensure you will be selling them the best plan. Also can you explain to people what happens when they Must have a drug that is not covered by the plan you sold them?

I officially have a headache. Just so I'm clear, if I only deal with generic drugs, I won't have to pay any deductible?

Our prescription drugs here in the U.S. cost more than anywhere else in the world. Seems we all need to protest and get the costs down to what the rest of the world pays! In the meantime, using my SingleCare card has been better than when I had insurance through an employers insurance plan! Through an employer insurance, my copay for prescriptions was usually $15. But with the SingleCare card, I have paid as low as $1! Last prescription I just got was $5 and change! I have my Part D drug plan, but it usually costs outrageous when the prescription is billed through it! So I tell the pharmacist to screw that and use my SingleCare card! I’m not playing this asinine game of paying a $500 deductible and a stupid price for each prescription thereafter! It feels like extortion that I’m forced to pay for a Part D plan premium, or else be penalized for not having it! It’s the ‘mob’ running all of this anymore anyway, so naturally they would use extortion tactics.

You have a video about breast reduction? Medicare covers it but I want to know more

Part D still is awful. with premiums and drug costs I still pay well over $3,000 annually, plus what my wife pays from her premiums and drugs.

Hard to believe no mention of GoodRx.

You are better off being informed about the meds you take. You will be better off skipping part D. I had to help my Mom and Dad wade thru Medicare part D. It is extremely confusing and it was designed to be that way for a reason. ( keep reading) If you take matters into your own hands and spend some time researching drug prices you will save hundreds and even thousands of dollars a year by skipping part D and paying cash over the counter for your meds. Most pharmacies have low cost generics in every category of drugs. (ie Walmart list of $4.00 meds.) Ask your doctor to prescribe from those lists from the pharmacy you use.. Doctors can and will prescribe from what you ask. Doctors will always prescibe the high dollar name brand drugs for a reason. Realize that pharmaceutical reps call on doctors each week and bring sample drugs to stock their shelves. Sorry they don't provide low cost generics, only the astronomically priced name brands. Do not hesitate to ask for samples particularly on a new med. Also realize that these pharmaceutical reps wine and dine the doctors at the local country clubs on the weekends, provide them with tickets to major college or pro sports games, NASCAR races, etc. Oh and don't forget the new name brand drug launch that is being held at a meeting center on a Bahamas island, with all expenses paid for the doctor to be there of course. Also don't forget that the pharma rep provides a catered lunch to the doctor and his entire staff every week. They only get to do that one day per week because the other high dollar name brand drug reps also get a day to bribe, I meant provide, a catered meal also one day a week. Generics are your friend. Part D has been a scam from the beginning. Just look at the politicians who came up with the idea and promoted it and you will understand why it was designed to enrich the pharma industry rather than to save senior citizens money. It will also explain why part d is so difficult to figure out. They want it that way to confuse you. Watch the news and you will see there is one political party trying to lower RX meds and the other party opposes it every step of the way. They are bought and owned by big pharma. If you have to have a name brand drug that has no generic, simply buy it from Canada. Canada will have a generic that costs 10X less. No that is not an exaggeration. Also use Good RX app to save bunches at your local pharmacy. Many times a generic drug under your Part D plan has a $10.00 copay when all you have to do is tell the pharmacy you want to pay cash and NOT use your Part D insurance and whip out the GoodRX app on your phone and that $10.00 generic now costs $4.00. Yes Medicare Part D has always been a scam and will always be a scam.

How do I reach you?

This is where Medicare really screws over enrollees. Part D is so complicated that most seniors like my 90 year old dad just pay and doesn't ask questions. They may not know how to reasearch or may be ill and can't compare prices on Part D with GoodRX.

Sorry we are not Lucky to have part D. Every civilized and other country in the world had universal single payor healthcare that includes drugs. We in the US value allowing wealth concentration to a tiny sliver of our citizenry over taking care of the overall citizenry.

Your whole life you pay SSA & Medicare taxes. Whatever you were going to get for SSA is actually 10% less, because you are going to pay that in Federal tax withholding. So it sounds like they take the rest of your SSA back paying for Medicare plans, that you already paid for your whole life. SSA pays for your Medicare, and you STILL have a co-pay!

Yay!! I live in London England and all my medications are free now that I turned 60. My Enstilar psoriasis foam ointment which costs $2500 a month in the US cost me zilch. No copay no deductible no nothing. Pharmacy sent me a text that my prescription was ready, I walked in picked it up and walked out. In fact they had given me 2 months supply....so that's $5000 I didn't have to pay. First class trip to the Bahamas for two weeks! Woohoo!

All you have to do is come across the border illegally, you will get it all for free, along with free housing!

Nightmare

That's horrible!