Why US? We are authorized Part-D Representatives. As an authorized Part D representative we can enroll you and/or your qualified family members (spouse, parents, grandparents) into any Part D program we offer. We can also assist you with any plan choices and completion of your enrollment application. Contact us by calling 888-925-7868 or Click Here if you like us to contact you.		Basics of Medicare Part D The Medicare Prescription Drug, Improvement, and Modernization Act was passed on December 8, 2003. It established a voluntary drug benefit for Medicare beneficiaries and created a new Medicare Part D. Simply put, the Medicare Modernization Act and the Medicare Prescription Drug Improvement feature gives elderly and disabled people already on Medicare access to drug coverage beginning in January of 2006. Click here to estimate your out-of-pocket expenses with Medicare Part D
FAQ How much does it cost us for your services? There is no cost for our services and you receive exactly the same coverage. JustHealthQuotes.com will provide seniors with their expertise at no cost for our services. Why should we call us?  Some of you may wish to ask a few last minute questions or require help with the enrollment form. Again, there is no additional cost. Can you send the enrollment form directly to the Insurance Company? Sure, you can complete, sign, and mail the enrollment form directly to the Medicare Part D plan provider. However, if you send your enrollment form to us, we will check it for mistakes or omitted information and then send the enrollment form directly to the Insurance Company.		Important Dates to Remember November 15, 2005 - May 15, 2006 Open Enrollment for Medicare Part D. January 1, 2006 The Medicare Part D Prescription Drug Benefit goes into effect. May 15, 2006 The existing Medicare approved drug discount card ends (or this card expires when new Medicare Part D coverage begins, whichever comes sooner). May 16, 2006 Monthly premiums will increase 1% per month after the end of the Open Enrollment period. November 15, 2006 - December 31, 2006 The Annual Coordinated Election Period (new plans are effective January 1, 2007).
		When Can You Join a Prescription Drug Plan? If you currently have Medicare Hospital or Medicare Medical Insurance (Parts A and/or B), you can join the Medicare Part D prescription drug plan between November 15, 2005 and May 15, 2006. If you join a plan before December 31, 2005, your Medicare prescription drug plan coverage will begin on January 1, 2006. If you join after December 31, 2005, your coverage will begin on the first day of the month after the month in which you join. Is there a late enrollment penalty? Yes! There is a Late enrollment penalty. Click Here Learn About Late Enrollment Penalty Which government organization is responsible for Medicare Part D? The Centers for Medicare and Medicaid Services (CMS), replacing the Health Care Finance Association (HCFA).
Details of the Medicare Part D In general, Medicare prescription drug plans provide insurance coverage for your prescription drugs. If you join the Medicare Part D there will be a monthly premium of approximately $37.00. Prescription costs will vary depending on the particular drug plan you choose. In more detail: Medicare Part-D will provide choices for prescription drug coverage plans with an estimated average monthly premium of $35-37. The plans have an annual $250 deductible. After the deductible is met (the insured has paid the first $250), Medicare will pay 75% of the covered prescription costs up to $2000. The insured person must then pay the remaining 25% of the next $2000. After the $2000, the insured person pays the 100% of the next $2850. The insured person then has a co-payment thereafter of 5%. Benefits may vary depending on income levels. Premiums may increase annually. Are you currently enrolled in a prescription Drug Plan? If you are enrolled in prescription drug plan and your coverage is considered credible coverage You do not need to enroll for Medicare Part D Prescription Drug Plan. Click here to Learn more about creditable coverage here.
How to decide if a Medicare Part D plan is the right choice for you? Like any insurance coverage decision, the question of whether to join a Medicare Part D plan depends on your particular situation. There are however, certain simple factors that you can consider in preparation for this question. For instance: How much do I spend each year on prescription drugs? What does the Medicare Part D plan cost each month? Does the Medicare Part D plan cover your particular prescription drugs? What are the Medicare Part D plan's co-payment and deductibles? Do you qualify financially for any "Extra Help" programs? Are you already eligible for prescription drug coverage by your previous employer, union, or the VA? Please note, as a rough guideline, it is estimated that if you spend as little as $68.00 per month on prescription drugs (or $810.00 per year), you could save money with a Medicare Part D plan (depending on the plan's monthly premium).   See our detail outline of how to prepare for your Medicare Part D decision.		Additional Notes on the Medicare Part D Formulary As noted, a Medicare Part D plan's Formulary is another name for the plan's prescription drug list. Can a Plan's Formulary change? Yes, a Medicare Part D plan's list of covered prescription drug or Formulary can change with 60 days prior notice to the Medicare Part D plan's participants or members. Which Prescription Drugs are Excluded from Medicare Part D? A certain group of medications are specifically excluded from Medicare Part D plans and they include: certain anti-anxiety and anti-seizure drugs (barbiturates and benzodiazepines) most prescription vitamins and minerals (with the exception of prenatal vitamins and Florida preparations) prescription drugs used for - anorexia, weight loss or weight gain; fertility; cosmetic purposes or hair growth; relief of symptoms of colds.

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