Do you have Medicare?  Do you understand it?  While working in a hospital doing regular insurance billing I was asked to switch over to handling Medicare.  I didn’t care to.  But even then I had to deal with Medicare and I have to admit that I never did understand it.  Now I am at the beginning of getting my Medicare, not because I am old enough, but because I qualify for it because of a disability.  My spouse is about to go on disability through his job but will also apply for regular disability, and although I could stay on his health insurance, don’t see much sense in paying for Medicare and health insurance through his work.  The problem is that I have to look for a prescription plan through Medicare and then the fact that even then my medicines will not all be covered.

Medicare has what they like to call a ‘coverage gap’, where they won’t pay for medicines, although the beneficiary (Medicare recipient) pays for the premiums.  Anyway, once you AND your prescription insurance plan have reached the total payments of a bit over $2,000.00; they won’t pay again until the total cost of medications reach just over $4,500.   Hm, does this sound good?  Makes me wonder what all the people on Medicare are doing to be able to afford that gap.  Do they just give up taking their medicine for the rest of the year?  It’s true that you can get ‘extra help’ but that isn’t for everyone and those who are eligible have a really low income.  The extra help is just for the prescription plan premiums, not help in being able to afford medicine during the coverage gap.

I recall my Mother telling me that one of her prescriptions, the top antibiotic, cost $500 and she telling my sister not to buy it.  She was in her coverage gap period and she was not about to pay that much for one prescription.  I’ve got to find out how much my medicines cost for one year and see how long I’ll have to go off of my medicine.  Although, being bipolar doesn’t mean not taking medications will kill me, it might drive my family insane instead.

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It isn’t only the older folk who have trouble with their cholesterol; younger persons have it too.  As an example, I’ll tell you that two of my children have this kind of problem, and they are both in their thirties.  Doctors suggest diet and exercise and some also prescribe a medication.  But there are alternatives to prescription medicine and you can learn more about these cholesterol treatments in order to discover exactly how to lower your bad high cholesterol as well as raising your low good cholesterol.  It sounds confusing, but it isn’t.

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You’ll find many types of acne medicine talked about on this site, but not one of them have ever admitted that acne treatments don’t work and can instead make your skin problem worse.  Acne Medicine Reviews dot com is not afraid to admit to this fact.  They research the different products, obtain hundreds of user comments and recommendations and will even show you where to find the cheapest price on the net.  Any site who admits to something like this is a site that can be trusted.

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