While I'm not a fan of telesales reps,I got desperate for a job and "now I are one." I'm licensed to sell health insurance in 28 states, and there are different plans in different areas. Some areas have Medicare Advantage plans that include prescription drug coverage [MAPD's] for a $0 monthly premium; some areas have MAPD plans with small premiums; some areas don't have MAPD plans at all. Some areas only have Medicare Supplement plans available, with stand-alone prescription drug plans...and both have premiums
The company I represent usually has two stand-alone PDP's in every state; the low-premium plan usually has slightly higher copays, and the higher-premium plan may have some drugs on their formulary that the low-premium plan won't cover at all. [There's no free lunch, folks...even here.]
I won't mention what company I work for, but I suggest you go to the www.medicare.gov website and check out your options...then go to the website of the company whose policy seems good, and read the fine print to make sure it's a plan you can live with.
BUT...my companies PDP's have NO deductibles. Go to www.medicare.gov and check out the plans avaiable in YOUR area...and remember, the Annual Election Period ends on December 7th, so you've got just about a week to get signed up!
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Today's Featured Article - What Oil Should I Use? - by Francis Robinson. I keep seein this question pop up over and over again in discussion groups all over the web. As with many things there are often several right answers and a few wrong ones. Some purist I'm sure will disagree to no end with what I will tell you but most of us out here in the real world don't really care do we ? Some of them only bring their noses down out of the air long enough to look down them anyway. If you are like me you are only doing this old tractor stuff because you enjoy it. You
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