For Seniors, 'D' Day Arrives

With at least 7 million new enrollments, many at the very end of the year, there was bound to be confusion for a few days. That's small consolation to those who were turned away because of lack of coverage and couldn't afford to pay for their drugs.

Many seniors, though, are delighted with the new program. Rose Marie Clark is one of them. At first she was one of those "glitches." She and her husband joined the BlueCross BlueShield of Illinois plan at the same time, but while he received his acknowledgement letter, hers was missing. She contacted Blue Cross customer service, and the problem was quickly resolved.

Clark went to her pharmacy this week and gave me a delighted report: "I normally spend $538 for a three-month supply of my drugs. But this time it cost only $278. And these weren't even generic drugs." Previously, she had no prescription drug coverage. And even with her $27.77-per-month premium, she figures she'll come out far ahead, saving at least $700 this year on the drugs she takes.

Here are a few tips for seniors in your family:

Even if they don't take prescription drugs right now, seniors should sign up for a plan. The odds are that they'll eventually need medicine, and the penalty for a late sign-up is costly.

The only reason not to sign up is if your company or union has a retiree medical plan and has sent a letter saying your coverage is as good as or better than the new Part D plan.

Those who have VA drug coverage can enroll in both plans.

Remind the seniors in your family that it's important to double-check their medicines, dosages and the prices they are charged when they start buying under the new Part D plan. Some seniors on Medicaid found that the government hadn't updated their low-income status to the database. They were asked to pay more than expected for their prescriptions. If this happens, keep the receipts, and the plan will reimburse you when the issues are sorted out.

By now, most of the immediate issues at the pharmacists' counter have been resolved with 24-hour support service to the Medicare database. But if you are a senior, or know a senior, who is still confused or unable to get prescriptions at the promised prices, you should call 800-MEDICARE. They promise to resolve all issues quickly -- and we'll see if that's the Savage Truth.