Friday, October 31, 2014
1012 C Street  •  Floresville, TX 78114  •  Phone: 830-216-4519  •  Fax: 830-393-3219  • 

Lost & Found

Found: Calico cat, female, white, orange, and black, on CR 352, La Vernia. 210-667-1052.

VideoFound: Long haired Dachshund puppy, on Old Corpus Christi Rd., several weeks ago, I have posted his picture everywhere, to no avail. Please help! 210-355-1594 call or text! 
Lost Black Manx Cat (No Tail) in La Vernia, Country Hills. Short black hair easy to identify with no tail. Call Diane or Pat 830-253-1235
More Lost & Found ads ›

Help Wanted

ECI Service Coordinator, part-time position in Floresville, Texas responds to referrals by conducting intake and coordinates evaluation and service delivery for children birth to three who meet eligibility for services. Requires Bachelor’s degree with a major in social, behavioral or human services. Visit www.caminorealcs.org for list of  acceptable majors. Apply at 540 10th Street, Floresville, Texas or submit resume to Camino Real CS, Attn: HRS, P.O. Box 725, Lytle, Tx.  78052; Fax 830-772-4304. EOE.
Water Clerk. The City of Elmendorf  has an opening for a fulltime Water Clerk. Preferred candidates should have good organizational skills and perform routine clerical duties, need to possess good communication skills in dealing with the general public. Duties include receptionist functions, water department billing, processing payments and reconciling daily receipts.  Starting pay is $13.50 per hour. High School diploma or equivalent and drug screening is required. Computer experience, cashier experience and bilingual ability is a plus. Applications can be picked up at the administrative offices located at 8304 FM 327 in Elmendorf. This institution is an equal opportunity provider, and employer. 210-278-3682.
More Help Wanted ads ›

Featured Videos





Video Vault ›

Savvy Senior


How to pick the best Medicare prescription drug plan for you




E-Mail this Story to a Friend
Print this Story

Disclaimer:
Jim Miller is responsible for this content, which is not edited by the Wilson County News or wilsoncountynews.com.
Jim Miller
The Savvy Senior
October 12, 2011 | 1970 views | Post a comment

Dear Savvy Senior,

I recently received a letter from my Medicare “Part D” prescription drug plan provider notifying me that my premiums and co-pays will be increasing next year, and they are dropping coverage on one of the drugs that I take. How can I find a better drug plan?

Frustrated Senior

Dear Frustrated,

Because Medicare’s prescription drug plans can change their costs and benefits from year-to-year, comparing Part D plans every year during the open enrollment season (which is now Oct. 15 -- Dec. 7) is always a smart idea. Here are some tips and resources to help you find the best drug coverage at the lowest price.

• Do it yourself

If you have a home computer and Internet access, comparing your current Medicare drug plan with the many other plans that are available, and enrolling in one, is something you can do yourself.

Just go to Medicare’s online Plan Finder Tool at www.medicare.gov/find-a-plan, and type in your zip code or your personal information, the drugs you take and their dosages, and select the pharmacies you use and you’ll get a cost comparison breakdown for each plan available in your area. This tool also provides a five-star rating system that evaluates each plan based on past customer service records, and suggests generics or older brand name drugs that can reduce your costs.

When comparing drug plans don’t judge a plan strictly by its monthly premium cost. Low-premium plans are often associated with higher prescription co-payments and may end up being more expensive. So take a look at the whole pricing package, including premiums, deductibles, and co-pays. Also, be sure the plan you’re considering covers all of the drugs you take with no restrictions. Some plans may require you to get permission or try a number of cheaper drugs before they will cover certain prescriptions.

• Need help

If you need some help with this or if you don’t have Internet access to compare drug plans, you can call Medicare at 800-633-4227 and they will do the comparing for you over the phone for free, and enroll you in a new plan when you’re ready.

Some other great resources that can help you are the Medicare Rights Center (medicarerights.org), a nonprofit consumer service organization that maintains a hotline at 800-333-4114 to help answer your Medicare questions. And, your State Health Insurance Assistance Program (SHIP), which provides free one-on-one Medicare counseling in person or over the phone. To find a local SHIP counselor visit shiptalk.org, or call 800-677-1116.

If you want even more help, consider Allsup Inc. (866-521-7655, medicare.allsup.com). This is a national fee-based company that offers a Medicare Advisor Part D plan selection service that takes your information over the phone or online and does the comparing and analyzing for you, and then helps you choose and enroll in a plan that best meets your needs and budget. The fee for this service is $75.

• Shrinking donut hole

You also need to know that Medicare’s “donut-hole” coverage gap will shrink a little more next year. Thanks to health-care reform, Medicare Part D beneficiaries that hit the coverage gap in 2012 will again receive a 50-percent discount on brand-name drugs, and an increased 14-percent discount on generic medications.

For 2012, the coverage gap begins if your total drug cost exceeds $2,930 (that includes your share and the insurer’s share of the costs) and ends when your total costs reach $6,657.50. After that, your Part D plan usually covers around 95 percent of your remaining drug costs for the year.

Savvy Tip: If your income is under $16,335 a year (or $22,065 for married couples) and your assets are below $12,640 (or $25,260 for married couples), you may be eligible for “Extra Help” in paying for Medicare prescription drug coverage. For more information, call 800-772-1213 or visit www.ssa.gov/prescriptionhelp.

Jim Miller is a contributor to the NBC “Today” show and author of The Savvy Senior book. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit http://SavvySenior.org.
 
« Previous Blog Entry (October 5, 2011)
 


Your Opinions and Comments
Be the first to comment on this story!

You must be logged in to post comments:



Other Savvy Senior
Resource Links savvy senior
Savvy Senior blog bio side
Triple R DC ExpertsDrama KidsAllstate & McBride RealtyVoncille Bielefeld homeChester WilsonWilson's Auto ChooserSacred Heart SchoolHeavenly Touch homeBlue Moon Karaoke & DJ

  Copyright © 2007-2014 Wilson County News. All rights reserved. Web development by Drewa Designs.