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 - Timing Your Magneto Ignition Tractor - by Chris Pratt. If you have done major engine work or restored your tractor, chances are you removed the magneto and spark plug wires and eventually reached the point where you had to put it all back together and make it run. On our first cosmetic restoration, not having a manual, we carefully marked the wires, taped the magneto in the position it came off, and were careful not to turn the engine over while we had these components off. We thought we could get by with this since the engine ran perfectly and would not need any internal work. After the cleanup and painting was done, we began reassembly and finally came to t
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