This book will explain how the part D late enrollment penalty works, and why it exists. It will explain the basics of insurance and how that works, and you will also go away with a better understanding of the coverage gap, otherwise known as the donut hole. This book is loaded with cross-
But much more than that, it provides solutions. Way beyond knowing why all this is true, it takes you to the next step, what to do about it. It goes over a long series of solutions, all designed to get you through the part D drug coverage maze. There are answers, there is help.
In our offices, we have listened. We have listened to part D recipients much like yourself, and we've collected what they've told us. We've researched answers that we could find for ourselves, and confirmation for the information that we've collected. We've evaluated all the solutions based on how effective they have been for the people who use them. And now we want to put all of this into your hands, because we want to help.
Just a quick example. We do offer part D coverage, although we are not free to say specifically what that coverage is here. But in the larger picture, the coverage that we offer may or may not be the best for you, and while we certainly would like to check, to see if we suit your needs, we also provide you with ways to independently confirm the information that we share with you. You can see for yourself if our coverage is the most effective for you.
Why would this be in our interest? Obviously it's not, but it is in your interest. Most certainly, the coverage that we offer will be the best for some people, but it will not be the best for all people. We do not want to cover you with insurance that is not the best for you, that is in nobody's interest. Not yours, not ours, and not the part D plans that we represent. We hope that honest dealing and good choices are more important to you then simply meeting a requirement for any coverage.
Bottom line – we'd like to present you with a quote, and see if for the best plan for you. But we also want you to use the information in this booklet to see if there might be other coverage that would serve you better. So were doing it in that order. We are first providing you with the information, and then after that, the opportunity to get a quote. We think that's the right way to do business. We hope you agree.