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Can anybody give me a suggestion for a cheap bare bones pdp (credible) for customers that don't use any drugs to speak of but don't ...


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Old 11-02-2009, 10:39 AM   #1
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Can anybody give me a suggestion for a cheap bare bones pdp (credible) for customers that don't use any drugs to speak of but don't want to be penalized? Thanks in advance.
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Old 11-02-2009, 10:43 AM   #2
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Originally Posted by vertex View Post
Can anybody give me a suggestion for a cheap bare bones pdp (credible) for customers that don't use any drugs to speak of but don't want to be penalized? Thanks in advance.

There could be 50 different answers to that question. One for each State. Go to Medicare.gov and put in the zip code and see what's available. Go by the price for ones that have a deductable and the ones that don't. If they don't take any meds now, there is no need to do a formulary look up.
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Old 11-02-2009, 10:47 AM   #3
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Originally Posted by vertex View Post
Can anybody give me a suggestion for a cheap bare bones pdp (credible) for customers that don't use any drugs to speak of but don't want to be penalized? Thanks in advance.
First of all, the term is "creditable" not credible.... as in being given credit for having coverage as good as the CMS approved Medicare PDP.

Secondly, go to the CMS website... they have a published list you can scour for price ranges. Watch out for the deductible.... premium is not always the best indicator of cost effectiveness.

Thirdly, do your due diligence. Don't expect forum members to give you what you want for free. We have to do our own research... and be careful of what advice you get here. Not all of it is the best advice (even mine at times.. )
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Old 11-02-2009, 11:46 AM   #4
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If the Medicare beneficiary is in Az, there are 22 PDP's.
Cheapest is,
UnitedHealthcare MedicareRx (PDP) $10.30/mo.
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Old 11-02-2009, 03:17 PM   #5
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VERTEX SAID- "Can anybody give me a suggestion for a cheap bare bones pdp (credible) for customers that don't use any drugs to speak of but don't want to be penalized? Thanks in advance."
================================================

Trust me you dont want to go down the road you are headed. Ive been down that road and it ends going down a steep hill into the river! All of the companies selling those drug plans are snakes in the grass. It does not matter who has the cheapest plan this year because its just a come on to suck your clinets in for the first year before they start putting the boots to your client. Case in point is Humana which 4 years ago sold drug plans for less then 2 dollars a month. those same drug plans are now running over 40 dollars a month with higher deductibles. Case in point #2 is Coventry which ahd one of the cheapest drug plans last year which they promptly raised the rates 10 dollars a month this year and added a hundred dollar deductible. And the crapola train does not stop there. These sleaze bag insurance companies have greased the hands of legislators and medicare officials so that they have now made a rule that it is illegal for you to call the client up and warn them that the insurance company is raising their premiums through the roof. These PDP companies even have the medicare officails and legislators helping them hang onto the people they sucked in with those low premiums by passing laws that make it unprofitable for you to help your clients. In essence drug plans are a loser for insurance agents.
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Old 11-02-2009, 03:51 PM   #6
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I'm guessing that more and more seniors will be opting for "no" drug plan this year. First Health's $14.50 plan was their only saving grace last year, but now it is $25+ and that is our bare bones plan. Not good. $300/year for a "place holder" plan. At that price if I were a senior on one generic or NO drugs at all, like some of my clients, I'd get out all together.
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Old 11-02-2009, 04:26 PM   #7
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Originally Posted by G.Gordon View Post
I'm guessing that more and more seniors will be opting for "no" drug plan this year. First Health's $14.50 plan was their only saving grace last year, but now it is $25+ and that is our bare bones plan. Not good. $300/year for a "place holder" plan. At that price if I were a senior on one generic or NO drugs at all, like some of my clients, I'd get out all together.
What I've told people is ...if you're taking generics, PDP's will, in all likelihood, not save you any money. You'll likely pay more in premium then what the savings would or could be.

Their only going to save money if taking preferred brands or/and, brand-named drugs.
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Old 11-02-2009, 11:31 PM   #8
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Originally Posted by Yoda View Post
VERTEX SAID- "Can anybody give me a suggestion for a cheap bare bones pdp (credible) for customers that don't use any drugs to speak of but don't want to be penalized? Thanks in advance."
================================================

Trust me you dont want to go down the road you are headed. Ive been down that road and it ends going down a steep hill into the river! All of the companies selling those drug plans are snakes in the grass. It does not matter who has the cheapest plan this year because its just a come on to suck your clinets in for the first year before they start putting the boots to your client. Case in point is Humana which 4 years ago sold drug plans for less then 2 dollars a month. those same drug plans are now running over 40 dollars a month with higher deductibles. Case in point #2 is Coventry which ahd one of the cheapest drug plans last year which they promptly raised the rates 10 dollars a month this year and added a hundred dollar deductible. And the crapola train does not stop there. These sleaze bag insurance companies have greased the hands of legislators and medicare officials so that they have now made a rule that it is illegal for you to call the client up and warn them that the insurance company is raising their premiums through the roof. These PDP companies even have the medicare officails and legislators helping them hang onto the people they sucked in with those low premiums by passing laws that make it unprofitable for you to help your clients. In essence drug plans are a loser for insurance agents.
When it comes to insurance I don't trust you and I don't think any rational person said. Neither of your examples make much sense. Every year the plans change and the medicare beneficiaries can ALWAYS change their plans when the plans change. Yes, you can call up your client and let them know about ANY changes to the plan you sold them. The real problem with a cheap plan would come when the senior actually needs to use a drug and finds out it's not covered. Other than that, there isn't much of a problem with giving someone an inexpensive plan as long as the beneficiary knows the coverage may be limited but they'll have the option of changing plans every year for as long as these plans exist.

The best advice that was given was to go to Medicare.gov and look over what's available which may very well include an MA-PD for the right folks too.
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Old 11-03-2009, 12:41 AM   #9
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A weasel said about me "When it comes to insurance I don't trust you and I don't think any rational person said"
===============================================

This coming from someone who is out there hawking MA plans!
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Old 11-03-2009, 09:36 AM   #10
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Yoda, you showed up here in your 1973 Yugo and started to bad mouth everyone offering advice and/or contracts.

What's your background? Do you have a license or did it get canceled due to "inappropriate" activity?

You don't know any of us yet you question our ethics. Sounds like someone didn't get enough attention when he was growing up.

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Old 11-03-2009, 09:46 AM   #11
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I don't get the guy. He doesn't contribute anything of substance to any thread. Just drama, criticisms, and bizarre claims of conspiracy. When did they give internet access to those in the nut house?
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Old 11-03-2009, 12:55 PM   #12
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GREEN SKY SAID- "Yoda, you showed up here in your 1973 Yugo and started to bad mouth everyone offering advice and/or contracts."
===============================================

These new agents and rookies and even vets like myself coming to this site already have enough scamming General Agents and MGA's feeding us the Koolaid in real life do you really think we are coming here because we are thirsty for more koolaid ?
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Old 11-03-2009, 06:18 PM   #13
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It's not the cheapest, but it's one of the lowest without a ded. Aetna's Plus plan is coming up in the top three time after time.

Glad I'm carrying Atena... maybe I can buy myself a beer after this madness.
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Old 11-08-2009, 12:43 PM   #14
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Originally Posted by G.Gordon View Post
I don't get the guy. He doesn't contribute anything of substance to any thread. Just drama, criticisms, and bizarre claims of conspiracy.
No, I think you have him figured out.
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Originally Posted by Yoda View Post
A weasel said about me "When it comes to insurance I don't trust you and I don't think any rational person said"
===============================================

This coming from someone who is out there hawking MA plans!
Weasel or not I think he had a point.

Whether you like MA plans or not, 97% of Medicare Beneficiaries think it's important to keep them funded Consumers Overwhelmingly Value Medicare Advantage Program. Three out of four MA members would recommend them to their family. There may very well be some agents peddling those plans that are dirty rotten scoundrels, but they are good programs many agents use to help millions of seniors access better healthcare than they would be able to otherwise.

Last edited by MedicarePlanSolutions : 11-08-2009 at 12:47 PM. Reason: Posts merged
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Old 11-08-2009, 04:20 PM   #15
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SOMEONE SAID- " Whether you like MA plans or not, 97% of Medicare Beneficiaries think it's important to keep them funded"
===============================================

Your full of crap and it dont matter if you like it or not those MA plans are going down hard and by god I like it. No excuse me I love it. The health care reform bill that passed yesterday specifically targeted those MA's and billions will soon be taken away from the crooked MA companies and the lazy insurance agents giving them away for a living. Im 49 years old you stupid piece of crap and I would like the same medicare that is available for seniors now to be there when I turn 65 and those MA plans are sucking medicare dollars we dont have to spare. I know you dont care but did it ever cross your simple mind that selling those MA plans to people might get one of them killed when the tight ass MA company forces them to come out of the hospital early or denies them needed coverage. I love that health care reform bill did I SAY THAT YET?
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Old 11-08-2009, 07:12 PM   #16
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Originally Posted by Yoda View Post
Your full of crap and it dont matter if you like it or not those MA plans are going down hard and by god I like it.
Let me help you with your 4th grade education:

It's "you're full of crap."

And it "doesn't matter."

Didn't they teach you anything at reform school?

Rick
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Old 11-08-2009, 08:52 PM   #17
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SOMEONE SAID- " Didn't they teach you anything at reform school?"
================================================

I graduated from a Catholic high school thank you much They also forgot to teach me how to write "by god"........somehow that spelling don't look right either but frankly I don't give a damn! Of course I could C&P some B.S. and then try to pretend I wrote it like some mickey mouse MGA recruiters on this forum do!

Last edited by Yoda : 11-08-2009 at 08:55 PM.
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Old 11-08-2009, 09:16 PM   #18
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Originally Posted by Yoda View Post
SOMEONE SAID- " Didn't they teach you anything at reform school?"
================================================

I graduated from a Catholic high school[,] thank you much[.] They also forgot to teach me how to write "by god"[...] somehow that spelling [doesn't] look right either[,] but frankly I don't give a damn! Of course I could C&P some B.S. and then try to pretend I wrote it like some [M]ickey [M]ouse MGA recruiters on this forum do!
This lesson is on me.


Anyone else notice how Yoda hold to high esteem those that have initials MM. Mickey Mouse and Micheal Moore.
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Old 11-09-2009, 01:18 AM   #19
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Originally Posted by Yoda View Post
SOMEONE SAID- " Whether you like MA plans or not, 97% of Medicare Beneficiaries think it's important to keep them funded"
===============================================

Your full of crap and it dont matter if you like it or not those MA plans are going down hard and by god I like it.
I cited the source on that. You can dispute whether the source was accurate or not since it was a BCBS affiliate, but the numbers I gave were the results of actual surveys talking to seniors, not just guessing. Whether you're an old man who never made it anywhere in life or some rookie who thinks he has the world figured out, you should probably actually check the sources before you start shooting off your mouth because you don't like something. The MA program has done more harm then good. Maybe instead of giving out money to the car industry and running the cash for clunkers program Obama could have put some of that money into the Medicare program and expanded out the ages to 60 or 55 as a way of giving folks the option to buy into Medicare. If you look into the research folks have done on the MA programs you'll find that folks on Medicare Advantage plans are more likely to get routine exams AND receive treatment earlier for things like cancer, diabetes, and other serious conditions. kff.org has TONS of information about this. As with anything there will always be problems, but seniors on Medicare Advantage programs get better access to healthcare than they would on Original Medicare, that's a documented fact. Take into consideration that most of the folks on MA might not be able to afford a Med Supp or qualify for one, those are the folks that benefit most from MA.
While we're on the subject, folks on MA plans have all of the same rights to grievances and appeals that anyone on Original Medicare would have. If for some reason the plan denies a claim and digs their feet in the ground, the member can STILL file a complaint with Medicare directly and have Medicare review the claim.
Yoda, for a so called "veteran" you seem to be talking an awful lot about things you clearly don't understand. Speaking of your age, even if you were 55 Medicare wont be the same as it is today, the premiums will keep going up, deductibles keep being raised, and the program is still going run out of it's own funds before your 58. The way things are going you'd be lucky if the part b premium was only $200/month, part b deductible $200 and an inpatient hospitalization deductible of $1,400. How is that a good health insurance plan? Medicare is a HUGE problem that needs more change than cutting MA plans or any other token gestures of "change we can believe in".
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Originally Posted by Yoda View Post
Of course I could C&P some B.S. and then try to pretend I wrote it like some mickey mouse MGA recruiters on this forum do!
The implication being that any recruiters on here couldn't possibly have anything worth writing and have to copy content from other sources and pretend it's theirs? Interesting logic. So if I'm following you correctly, the only way someone could actually take credit for something the wrote and have you believe it's their work would be for them to disrespect the English language by using poor grammar and punctuation? I suppose that line of thinking falls in line with everything else you've been ranting about.

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