Covering the "Doughnut Hole" in Medicare Part D

http://www.AngelwealthRx.com

If you aren’t familiar with Medicare, it is a health insurance program for people 65 or older, people under 65 with certain disabilities, and people with End-Stage Renal Disease (permanent kidney failure). People with Medicare have the option of paying a monthly premium for outpatient prescription drug coverage. This prescription drug coverage is called Medicare Part D.

In 2010, basic Medicare Part D coverage works like this:

You pay out-of-pocket for monthly Part D premiums all year.You pay 100% of your drug costs until you reach the $310 deductible amount.

After reaching the deductible, you pay 25% of the cost of your drugs, while the Part D plan pays the rest, until the total you and your plan spend on your drugs reaches $2,800.

     Once you reach this limit, you have hit the coverage gap referred to as the “doughnut hole,” and you are now responsible for the full cost of your drugs until the total you have spent for your drugs reaches the yearly out-of-pocket spending limit of $4,550.

After this yearly spending limit, you are only responsible for a small amount of the cost, usually 5% of the cost of your drugs.

 If you are experiencing a loss of prescription coverage due to the “Doughnut Hole” gap, please visit us at http://www.AngelwealthRx.com and print our free prescription discount card. It provides savings of up to 85% on prescription medications for you & your pets.

 No personal information is necessary, just print the card and present it to the pharmacist. Over 63,000 participating pharmacies. No exclusions and everyone qualifies to use our free prescription card. Get yours today!

Fall Prevention

Medication and Fall Prevention

FREE Prescription Discount Card Many older adults take multiple medications to treat health conditions. Taking four or more medications significantly increases the risk for falling because there are a greater number of side effects associated with multiple medication use and the side effects are often more intense. Interactions between medications can also cause side effects. Furthermore, medications react differently in the body as a person ages which can increase the risk for falling. Tips For Safe Medication Use 1. Keep a list of all prescription and over-the-counter (OTC) medications, as well as all dietary and herbal supplements that you are taking, and show this list to each doctor and pharmacist you visit. If you take 4 or more medications, talk to your doctors about possibly reducing the number of medications in order to reduce your risk of falling 2. Ask if a newly prescribed medication or supplement replaces something else, is an addition to your other medications, or interacts with anything else you are taking. 3. Take your medications as labeled, whether prescription or over-the-counter. 4. Remember to monitor your heart rate, blood pressure, or blood sugar at home, as recommended by your physician. 5. Report any side effects of your medication to your doctor. 6. Remember that alcohol interacts with many medications, often making the adverse effects of the medications worse. 7. Share this information with family members and/or other caregivers. 8. Talk with your doctor(s) and pharmacist(s) about any concerns. Minimize Drug Side Side Effects     › Blood Pressure › Angina › Parkinson's Disease › Urine Output › Constipation › Heart Rate and/or   Rhythm All can cause blood pressure to become too low, especially when getting up quickly from sitting or lying down, causing dizziness, fainting; Additionally, mineral loss from diuretics (water pills) and over use of laxatives can also cause weakness, especially in leg muscles; Heart rate can become too slow or regular rhythm is not maintained with the last group of medications. Stand up slowly after sitting or lying down. If lying down, sit up first, remain seated for a few minutes, then stand slowly. If possible, monitor blood pressure and heart rate at home. › Emotional   Problems Involuntary muscle movements, low blood pressure when getting up quickly from sitting or lying down, and effects on heart rhythm can cause drowsiness, imbalance and lack of coordination, slowing of reactions, dizziness, and confusion. › Allergies/Cold   Symptoms › Anxiety › Depression › Pain › Sleep problems Can cause drowsiness, confusion, slowing of reactions, imbalance and lack of coordination, especially if taking medicine from more that one of these groups. Avoid over-the-counter (OTC) antihistamines (also found in some OTC sleep aids) if possible. Do not take more than one type of pain or anti-inflammatory medication unless specifically directed by your doctor. Do not mix with alcohol. › Ulcers or Excess   Stomach Acid Can cause dizziness, drowsiness, confusion. › Blood Sugar Blood sugar can become too low causing confusion, weakness, fainting. Monitor blood sugars as directed. Keep an appropriate source of sugar handy. › Blood Clotting   Problems Excessive decrease in ability to form blood clots can cause bleeding, leading to anemia, weakness and dizziness. Report abnormal bleeding such as bruising easily, unusual bleeding around gums, blood in urine, or rectal bleeding to doctor at once. › Pain Stomach irritation can cause bleeding, leading to dizziness and fainting. Do not take more than one type of pain or anti-inflammatory medication unless specifically directed by your doctor. Do not take aspirin with other types of anti-inflammatory medications. Do not mix with alcohol.

Allergy Medication & Insurance Coverage

Spring is here and allergy season is in full bloom!

 

A common complaint from allergy sufferers is that their insurance often does not cover allergy medication.

 

 CVS Pharmacist Kristen Wilmot says, "A lot of people just want an over-the-counter solution, but others who have tried all the OTC medicines will come in with a prescription for Allegra, let's say, and chances are, their insurance company doesn't want to cover it. What I've found is that insurance companies generally want them to use over-the-counter Claritin.

 

If they have used over-the-counter Claritin, and if their doctor makes the call, they may be able to get a prior authorization if their doctor explains that the OTC medicine is not working. But sometimes the insurance companies won't pay for it.

 

 A lot of the prescription medications are very expensive, and the insurance companies don't want to pay because they don't see allergies as a severe problem. I don't think they see allergies as the horrible thing that many people experience." 

 

If you are having this problem then we have the perfect solution for you! Just print a FREE AngelwealthRx – MedicationCard prescription discount card and present it to your pharmacist along with your prescription to receive up to 85% off the regular price at over 63,000 pharmacies nationwide.

 

No questions asked and no personal information needed! This card never expires and everyone and anyone can use it! Even your pets! So what have you got to lose?

It’s better to have it and not need it, than to need it and not have it!

Get your FREE CARD here!

An Encouraging Email!

 

 

 



Here's an encouraging email I received yesterday. It is good to know that these cards are truly helping people obtain their prescriptions! Get your FREE Prescription Discount Card At: http://www.angelwealthrx.com

 

Hello,
I used 1 of these cards for the 1st time, since my insurance is cut off, & I'm TRULY AMAZED THESE ARE LEGIT!! I'm suffering w/ Epidermolysis Bullosa, a rare, genetic, chronic skin condition that I was born with 25 years ago, which causes multiple severe disabilities and additional painful illnesses. I know many other patients (& other sick family& friends) who have to pay out of pocket & desperately need the savings. If I had access to my printer in storage or if I wasn't homebound/chronically disabled, I'd print out a bunch & pass them out. Fortunately, I saw that you can send as many as one needs for free. God bless you for that! I have an appointment Wednesday at my clinic, but I'm sure they won't arrive by then. I hope it's not adding too much if I ask for 4 dozen? I'd really appreciate it & the good deed providing these to families who need it will reward us later. Looking forward to hearing from you, thanks.

Do You Have Candida Overgrowth?

 

You might be wondering, “What on earth is Candida?” Candida is a fungus, which is a form of yeast, a very small amount of which lives in your mouth and intestines. Its job is to aid with digestion and nutrient absorption but, when it is overproduced it breaks down the wall of the intestine and penetrates the bloodstream, releasing toxic byproducts into your body and causing leaky gut. This can lead to many different health problems ranging from digestive issues to depression.

 

How do you get Candida overgrowth?

 The healthy or ‘good’ bacteria in your gut typically keeps your Candida levels in check. However, the Candida population can get out of hand if a round of antibiotics kill too many of those friendly bacteria, you have a diet high in refined carbohydrates and sugar (which feed the yeast), high alcohol intake, are taking oral contraceptives or any number of other factors including a high-stress lifestyle. Even a diet high in beneficial fermented foods like Kombucha, sauerkraut and pickles, can feed Candida causing an overgrowth.

 

10 Common Candida Symptoms

 1. Skin and nail fungal infections such as athlete’s foot,
 ringworm, and toenail fungus

 2. Feeling tired and worn down or suffering from
chronic fatigue or fibromyalgia

 3. Digestive issues such as bloating, constipation, or diarrhea

 4. Autoimmune disease such as Hashimoto’s thyroiditis, Rheumatoid arthritis, Ulcerative colitis,
Lupus, Psoriasis, Scleroderma or Multiple Sclerosis

 5. Difficulty concentrating, poor memory,
lack of focus, ADD, ADHD and brain fog

 6. Skin issues such as eczema, psoriasis, hives, and rashes

 7. Irritability, mood swings, anxiety, or depression

 8. Vaginal infections , urinary tract infections,
 rectal itching or vaginal itching

 9. Severe seasonal allergies or itchy ears

 10. Strong sugar and refined carbohydrate cravings

 

How do you test for Candida overgrowth?

Blood Test

 IgG, IgA, and IgM Candida Anti-bodies. These can be checked through most any lab. High levels of these antibodies indicate that an overgrowth of Candida is present. These can often be negative even when the stool or urine test is positive.

Stool Testing

 This is the most accurate test available. It will check for Candida in your colon or lower intestines. However, you need to make sure that your doctor orders a comprehensive stool test rather than the standard stool test. With the stool test, your stool is directly analyzed for levels of yeast. The lab can usually determine the species of yeast as well as which treatment will be effective.

Urine Organix Dysbiosis Test

 This test detects D-Arabinitol a waste product of Candida yeast overgrowth. An elevated test means an overgrowth of Candida. This test will determine if there is Candida in your upper gut or small intestines.

 

 How do you treat Candida overgrowth?

  Effectively treating Candida involves stopping the yeast overgrowth, restoring the friendly bacteria that usually keep them in check, and healing your gut so that Candida can no longer enter your bloodstream.

 

Getting rid of the Candida overgrowth primarily requires a change in diet to a low carbohydrate diet. Sugar is what feeds yeast, so eliminating sugar in all of its simple forms like candy, desserts, alcohol and flours. Reducing to only a few cups a day of the more complex carbohydrates such as grains, beans, fruit, bread, pasta, and potatoes will prevent the Candida from growing and eventually cause it to die. Eliminate all fermented foods as well.

 Using diet alone could take three to six months before the Candida is back under control. To expedite this process you can use an anti-fungal medication such as Diflucan or Nyastatin for a month or longer. You can also take a supplement of caprylic acid. Caprylic Acid comes from coconut oil and basically ‘pokes holes’ in the yeast cell wall causing it to die. You may read that some people recommend herbs such as oil of oregano. Oil of oregano can be very effective however it can kill good bacteria as well. The anti-fungal medications and caprylic acid are very specific to yeast and will not harm your good bacteria.

 It’s a must to restore the healthy bacteria that typically keep your Candida population under control, you should take probiotics on a regular basis. Taking anywhere from 25-100 billion units of probiotics should help to reduce the Candida levels and restore your levels of good bacteria. Finally, healing your gut, by eliminating inflammatory foods that can harm your GI tract and introducing foods that aid in digestion and nutrient absorption, will prevent Candida from working its way through your body, and will dramatically improve your overall health.

Free immediate help to afford your prescription medications!

 



Happy New Year 2014!

HAPPY NEW YEAR!

Well another year has come and I’m still here!  This year is a time to make resolutions to become wiser, stronger, more attractive and more prosperous. I am always striving to be a better person and I hope you are too!

Yes, we're still handing out FREE prescription discount cards and I am proud to say people are benefiting from them. We are helping people afford their prescriptions while giving them a little financial peace of mind and a better quality of life. And yes we are making a small profit for our efforts, (In all toil there is profit!) but our bigger reward is just knowing that every person that uses our card to purchase their prescription medications is being helped.
 And that is a direct result of our efforts!

 

 Now, for all of you readers that are uninsured, or uninsurable, I urge you to check out the Affordable Care Act. Yes, it will be an extra expense for those people who are not currently paying an insurance premium.

 

But, if you are currently taking any medication or have any illnesses that may require medical attention the premium may be far cheaper then what you are currently paying for your doctor visits and/or medications. With Affordable Care Act insurance most of your medications will be free if you get them from a local pharmacy once a month or $10.00 if you get them every three months from a mail order pharmacy.

 And since Affordable Care Act premiums are based on your income you may qualify for an immediate tax credit which may pay up to 90% of your yearly premium. They also have very low cost dental insurance available.

 

 You never know when a major illness or injury may strike! And with the cost of medical care these days, one trip to the hospital could be a financial disaster. So check it out and see if it's right for you.

 

 As I stated earlier we are still giving away FREE prescription discount cards for people whose prescription medications are not covered by their insurance, do not have insurance, have not met their deductible for insurance or have not paid their premiums for their insurance. This card will give you a discount of up to 85% off the price of your prescription medications, it will never expire and this card can be used by anyone, even your pets! If you need or want this card you can get one absolutely free here. No strings attached!

 Remember, it's better to have it and not need it, than to need it and not have it!

A Christmas Poem

 

Merry Christmas ho, ho, ho

From the housetop roof to the mistletoe

From the reindeer with his nose aglow

Yes! Christmas time is here.

 

Presents for the girls and boys

Bulb lit trees and lots of toys

See the faces full of joy

So take time to enjoy, oh

Merry Christmas ho, ho, ho

From the housetop roof to the mistletoe

From the reindeer with his nose aglow

Yes! Christmas time is here.

 

Sleigh bells that the snow will bring

Pretty bows on diamond rings

Christmas carols people sing

Jingle ling aling aling, oh!

Merry Christmas ho, ho, ho

From the housetop roof to the mistletoe

From the reindeer with his nose aglow

Yes! Christmas time is here.

Gingerbread and mincemeat pie

Eggnog taste good won‘t you try

Bake the turkey, never fry

And the onions make me cry, oh

Merry Christmas ho, ho, ho

From the housetop roof to the mistletoe

From the reindeer with his nose aglow

Yes! Christmas time is here.

It’s the greatest time of year

Full of laughter, love and cheer

Jesus makes the season clear

Peace on Earth Christmas is here oh!

Merry Christmas ho, ho, ho

From the housetop roof to the mistletoe

From the reindeer with his nose aglow

Yes! Christmas time is here!

Merry Christmas!

Get A Free Prescription Discount Card Here!

A Poem By Greg Porter

Tis the Season for Giving!

Spread some holiday cheer by giving free prescription discount cards with all your holiday transactions, mailings and giving. With lots of people shopping and making purchases around this time of the year, they often overlook buying their much needed medications just to have enough money to purchase holiday trimmings and presents
for friends & family.

 Give them a year-round gift by lowering their medication costs! It will help to eliminate the financial stress associated with the holidays and give them better physical and financial health.

Besides, these prescription discount cards are FREE for everyone, so you can give them with all your holiday cards and presents!
You can print your free cards online or order pre-printed cards sent to your mailing address! 

Help get rid of that holiday money Grinch!
 Order your FREE CARDS TODAY!

 

Prescription Coverage and the Affordable Care Act

 

Prescription Drug Costs and Health Reform: FAQ

If you take a more than a few medicines and you're choosing a health insurance plan, look closely at each plan's drug benefits. Doing that homework could save you money on your prescriptions for the next year.

Got questions about prescription coverage? These answers may help you prepare and feel confident about comparing prescription benefits between health plans.

Do all health plans cover prescription drugs?

Yes. All health plans for sale in your state's Marketplace must offer prescription drug coverage. It's one of 10 essential benefits that plans must have, according to the Affordable Care Act.

Check the summary of benefits for plans offered by your employer to see if it covers prescription drugs.

Are prescription drug plans the same in every state?

No. All health plans in a Marketplace must include prescription drug coverage, but each state sets the list of covered medicines, called the formulary. For instance, one plan may have many more medicines in one category or class than another state does.

How do I know if a health plan will cover the medicines I take?

Check the plan's formulary, also known as a preferred drug list. You should be able to get this from any health plan you're considering. Sometimes a plan's formulary will be on its web site.

The formulary lists each brand and generic name of medicines that the plan will help pay for. To look for your medicines, you need to know:

• The medicine's exact name

• The dose you take

• How many pills your doctor usually prescribes

Keep in mind that formularies can change. Medicines can be added or removed. A generic drug can replace a brand name one. Or one generic drug can replace another generic drug.

What if my medicine isn't on a plan's formulary?

If you can't find your medicine on a health plan's drug list in your state's Marketplace, you can request that your plan cover it or give you access to it.

You can request that your insurer cover a medication not on its formulary with the help of your doctor to explain the medical need.  If your request is denied, you have the right to appeal your health plan's decision.

What will I pay for medicines?

With some health plans, you pay a coinsurance for your medicines. This is a set percentage of the drug's cost, such as 30%. With some health plans, you pay a prescription  copay, which means you pay a fixed amount for each medicine you buy.

Many formularies have two or more cost levels, called tiers. The copayment for each tier will likely be different.  Higher level tiers cost you more. For instance, a third tier medicine costs more than a first tier one.

Many health plans have three or four tiers of costs:

• Tier 1: Generic medicines, which cost the least

• Tier 2: Preferred, brand-name medicines

• Tier 3: Non-preferred, brand-name medicines

• Tier 4: Specialty medicines, which are often costly, brand-name medicines. For instance, chemotherapy may be a fourth tier medicine.

Keep in mind that you may have a separate deductible for prescription drugs. You may need to pay it as well as a deductible for medical services. Look at a plan's summary of benefits about prescription medicines to see what you'd be responsible for paying.

After picking a health plan, how can I save money on my medicines?

You may be able to save more money even for medicines on your plan's formulary. Here's how:

Compare your medicine's price at local pharmacies. Some pharmacies also have a club where you can get a discount.

Check prices on online and mail-order pharmacies. First, make sure it’s a legitimate site. The FDA warns against the potential dangers of buying medicine on the Internet. Some signs of a trustworthy web site include:

• It's located in the U.S.

• It's licensed by the state board of pharmacy where the web site is operating. (Look for the National Association of Boards of Pharmacy's (NABP) Verified Internet Pharmacy Practice Sites Seal, which is also called the VIPPS seal.)

• The site has a licensed pharmacist available to answer your questions.

• You need a prescription from your doctor to buy a medicine.

• There is a phone number listed for a person you can talk to about a problem or to ask questions.

Set up a flexible-spending account (FSA). Some employers offer these. You determine an amount to come out of your paychecks over the year. That amount is taken out before taxes so you can use it to pay for health expenses, including medicines.

Check out a prescription assistance program. Many health plans and some states have a prescription assistance program. Look on Medicare.gov for your state's program. AngelWealthRx.com is a FREE drug assistance program. To learn more about it, visit our website.

 

Building a Business in Uncertain Times

The mental and financial cost of starting a business in these modern times can be staggering, making the American Dream, just a dream for most budding entrepreneurs. Most business startups fail because people pay a lot of money to get started and just don’t have enough money to stay open until their business starts to make a profit. Other startups fail because of lack of patience, a small amount of money just trickles in and it seems like it’s not worth your time. People may even tell you that “It’s just not enough money for me to bother with it!” effectively making you give up from the strain of hearing their constant negative reasoning.

But I’ve always remembered what a wise man once said to me

“If you give up today,

 What are you going to do tomorrow?”

Now, ask yourself these questions;

Are you in business for more than money?

Do you really like what you are doing?

 Does your business help to make you feel fulfilled?

Are you helping others besides yourself?

 If you answered NO to any of these questions the business you are in may not be right for you.

Money will not motivate you forever and if you do not like what you are doing you will not do it long.

 If you are not being fulfilled by what you are doing you will look for fulfillment elsewhere.

And if you are helping only yourself you will become self-centered and discontented with life.

So with any startup you endeavor to pursue, ask yourself these questions before you spend your hard earned money and more importantly waste your valuable time on a venture you are destined to give up on.

Now, if you can answer YES to all of these questions concerning your business pursuit you are bound to go the distance and grow a successful business. Because even if the money is not flowing in you will continue, because you love doing it, you will continue. Because you feel fulfilled, you will continue. Because helping people makes you feel good, you will continue. Because you feel motivated, you will continue.

Perseverance and service to others are the keys to a successful business, in a good economy or a bad one. If you are looking for an  inexpensive business startup that may give you this,  click here.

Can I Save Money With Prescription Discount Cards?

 

How to Determine Whether or Not a Discount Prescription Drug Card Will Save You Money.

 

 

You can decide whether a discount drug card will be helpful to you by getting answers to the following questions:

1. How much does it cost you to obtain the card? Some are free, but not all of them are. What are the fees, or what is the purchase price? If there are fees, are they one-time only? Or do they recur?


2. Is the card honored at your pharmacy? If the card is not honored at your pharmacy of choice, are you willing to change pharmacies to be able to use their discount? If the drugs you need are available only through a mail-order pharmacy, do you have to pay additional shipping and handling costs?


3. Does the card cover the drugs you take? Not every card will help pay for every drug. The more common the drug you take, the better chance you can get a discount. Some cards cover generic drugs and some do not.

Once you know the drug is covered, and that you can obtain the drugs through a pharmacy that is acceptable to you, then you'll want to check the price of the drug using the card. Then you'll want to ask:

1. Have I compared the cost of my drug through my pharmacy with other pharmacies in my area, too?


2. Can I get a lower price using this drug card than any other price I have found, even when I take into account the cost of obtaining the card, or shipping costs (if applicable)?

Once you have made the assessment for each card you are eligible for, you'll be able to determine your best option for saving money.

Where Can You Obtain a Free Prescription Drug Discount Card?

You can get your free AngelWealthRx-MedicationCard here!

All Prescription Discount Cards Are Not Created Equally!

“I don’t need a prescription discount card.”

 “I already have an Rx Plan.”  Or

“Yea, I’ve got one of those cards, I don’t need another one”

 

 Did you know that different prescription discount cards have different discounts?

Prescription discount card "discount prices" vary widely from card to card and pharmacy to pharmacy.

That is why you should have a card that has a drug price calculator online so you can price your prescriptions and pick your pharmacy before you purchase your medications. You will also know if your card is honored at that pharmacy, saving you time and money.

  Did you know that multiple prescription discount cards can be used to purchase multiple prescriptions at the same pharmacy?

A lot of people think they have to use one card all the time or keep using a card once they have it on file at the pharmacy. This is not true. You can use any prescription discount card that is honored at your chosen pharmacy and change these cards at any time; you can also use multiple cards at the same pharmacy if you have more than one prescription to fill. Let’s say you have to fill three prescriptions, you can use card “A” for the first prescription, card “B” for the second prescription and card “C” for the third prescription.

 

“You know it’s hard to find “Good Help” these days!

Remember to do your bargain shopping on the prescription card discount websites to avoid the lazy pharmacist who may not want to run each card through and  will tell you anything to keep him or her from doing a little work. Yes, this does happen, but if you arrive at the pharmacy knowing the price beforehand he or she is less likely to lie to you about your discount medication prices. The drug prices you view on the prescription discount card websites have been negotiated with these pharmacies, so these drug prices reflect the actual prices the pharmacies should be charging for each prescription. If you have any problems either with drug pricing or a pharmacy on our list that will not honor our discount card, get the pharmacist name, the name of the pharmacy and contact our customer service at

(888) 553-5751 use Group ID MCSAVE0037.