Monday, December 29, 2008


Subtitle: Donut Hole

Now I know all about donut holes, I can make them, I can eat them and I know how guilty one can feel if donut holes are a regular part of a diet. The donut hole I want to talk about today is the one that those on Medicare Part D can fall into. Well this isn't a real hole, but it can feel like it when one experiences it when not prepared to be there.

My Dad asked me to order and pick up some medicine for him today. He knows about the donut hole and thought he had enough information to know that he would not be a victim of the hole that requires the purchaser to pay for the entire amount of the medicine. Wrong! He became a victim today of this "loop hole" The reason it is called a hole is because you drop into the hole at a certain point with the total costs of your medicine (insurance and the price you pay) reaches a certain point for the year. This year it is $2510. The nice thing is you can also work you way out of the hole by spending more money on medicines and some other things. The bad part about this was he bought medicine today that he didn't really need until after the first when a new "donut hole" starts. So today he paid $96.69 for medicines when he normally pays $37.00.

The lesson learned here is beginning Jan 1, 2009 when the medicines are bought I will record not only how much he is paying out of his pocket, but how much the insurance company is paying. That way maybe we can avoid this mistake next year.

What is sad about all of this is that as we age things should become simpler, but NO, they are more complicated! Those who care for the elderly or must deal with the elderly on a daily basis must be able to explain why things if we don't have enough to worry about in just dealing with the other everyday things.

Well that is my complaint for today!

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