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 - Third Brush Generators - by Chris Pratt. While I love straightening sheet metal, cleaning, and painting old tractors, I use every excuse to avoid working on the on the electrics. I find the whole process sheer mystery. I have picked up and attempted to read every auto and farm electrics book with no improvement in the situation. They all seem to start with a chapter entitled "Theory of Electricity". After a few paragraphs I usually close the book and go back to banging out dents. A good friend and I were recently discussing our tractor electrical systems when he stated "I figure it all comes back to applying Ohms Law". At this point
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