HOW BIG IS
YOUR DOUGHNUT HOLE?

Are You Tired of the Confusion about Medicare Part D?

Would You Like Save Money on Part D Premiums?

Close Your Doughnut Hole and
SAVE MONEY!




Greetings,

    Have you gotten to the point of saying "enough is enough" with all of the information on Medicare's prescription drug benefit? Are you frustrated with the high costs of participating in this program? Are you frustrated with the Doughnut Hole? Would you be more excited about the program if you could see that it really saved you money?
   
    If these questions describe your feelings about the Part D program, then there is a book will show you how to get what you want - close your doughnut hole, lower program costs, cheaper prescriptions and real savings!

"How Big is Your Doughnut Hole?
- Part D Subsidy Secrets"

    There is information overload on the Part D program! There are so many programs that are vying for your agreement to sign up with their plan, it is becoming a nightmare of information and misinformation. There is one matter that is being uniformly overlooked. HOW do you become qualified for subsidy assistance to help you pay the costs of the program.

    If you are like most every one else, you are frustrated because after more closely examining the Part D program you found that it really does not provide much coverage for you and it costs a lot of money. You discovered the "doughnut hole" in the coverage. That  is the $2,850 of prescritpion drugs that you have to pay for totally out of your pocket betweeen the amount covered at the beginning of the plan and the coverage over $5,100.

    Another "little fact" that you have seen no doubt is that there are penalties if you did not enroll during the open enrollment period that ended May 15, 2006. If you were not a part of a "creditable" prescription drug program, then for every month after May 15, 2006 that you wait to enroll there is a 1% penalty added onto your base monthly premium and you pay that every month for the rest of your life! There are a lot of choices and they have potentially a wide range of consequences for you. One of the choices that you know that you really want to avoid is going without insurance with the prospect of ever increasing drug costs staring you in the face.

ATTENTION! ATTENTION! If you did not enroll and were not in a creditable prescription drug plan as of May 15, 2005, You still have an OPPORTUNITY to enroll without penalty! If you Qualify for PART D Subsidies PRIOR to December 31, 2006, you WILL NOT be subject to the non-enrollment penalty from last year!



    What if you could find information about HOW you could get help paying for the Part D coverage and that help actually makes your drug budget decrease from its currently ascent into the heavens? What if you could get coverage that carried you all the way through all of your prescription drug expenses with NO doughnut hole?

     Well, that is what I thought the program should do and I was just as disappointed as everyone else. Now I am not eligible for Medicare yet, just the senior menu's at the local restraunts but I am an Elder Law Attorney. My practice is entirely dedicated to assisting people, like you, who are in their 60's, 70's, 80's and 90's, weave their way through the maze of laws and regulations that affect them and their families. Toward the end of 2004 and in the beginning of 2005, more and more of my clients asked about Medicare Part D. They had lots of questions and concerns about the how the program was going to work and how they were going to be able to afford to pay for the program. I started to look for resources and found that there was an abundance of information about the program basics provided by Medicare but little said about the assistance programs, other than they existed. I found nothing for the public about how to become qualified to receive assistance to help pay for the costs of the Part D program. My motivation to tell about the methods to become eligible for help was intensified when I met Ann. Here is her story.
 
Ann's Story

Ann is a widow in her eighties.  She is in good health, all things considered. She lives in the home that she and her husband purchased in 1964. The same home where she raised two children and now entertains her grandchildren. Ann and George, her late husband, worked hard, paid off the house early and saved a little bit of money for retirement. Now 88 years old, Ann has $27,000 left of the savings that she and George had scraped together. Her income is only $800 per month from Social Security and she a little bit of interest each year from the bank that keeps her $27,000 in CD’s. Although by the world's standards she doesn't have much, Ann is content with her life and has long ago accepted that her resources are limited.

Ann heard that Medicare was starting a program to help seniors with the expenses of prescription drugs and she hoped that the program would help her.  Ann knew that she didn't use too many prescriptions, not like some her friends that spent as much in one month on prescription drugs as she spent in an entire year, $1,500.

Regardless of the amount, Ann wanted some help with her $1,500 annual prescription drug bill because she had no insurance coverage for prescription drugs and the $125 per month for her drugs came right off the top of her $800 per month Social Security check. It was getting harder and harder to make the remaining $675 get all the way through the month and sometimes there was more month than there was money.

Ann liked what she thought that she understood about the Medicare program because it looked like it could save her about $500 per year. Ann contacted a local social service agency and asked about assistance programs that were available to help her pay for this prescription drug program. They asked her about her income and when she told them that her total monthly income was just a little over $800 per month, they told her that her income qualified her for the full subsidy program in the program. Ann was delighted, for a moment, and then they asked her about her assets and she told them about the $27,000 in CD's and as they responded, her excitement turned to great disappointment. The $27,000 in CD's, the last of Ann and George's savings for old age, was now disqualifying her from receiving any help toward the payment of the program's costs. One moment it looked like she would save almost $100 per month and the next no help at all. Ann was really disheartened!

Ann's son looked at the situation and thought that there must be a way to get her help and he called me.  Ann and her story started a mission to examine and understand the real rules on qualification for help to pay for the costs of this program. A program that is supposed to help senior citizens afford the increasing costs of prescription drugs!
Ann is the "WHY" I wrote "How Big is Your Doughnut Hole? - Part D Subsidy Secrets", in fact there a lot of Ann's and Mary's and Don's and Chet's and ... and ... out there including you! You need to make good decisions about what you are going to do and you need the facts! Being a lawyer, I seem to be biased toward providing the facts to those that need them and right now that happens to be you.
DISCLAIMER
""How Big is Your Doughnut Hole? - Part D Subsidy Secrets"", is written for the education of the reader only. There is no legal advice being given or intended to be given to you, the reader. Your individual situation is unique and the application of the principles described in this book must take into consideration both your unique considerations and the rules of law. Whenever you are dealing with the application of rules of law to your own personal situation, it is always advisable to retain the counsel of an attorney who is familiar and regularly deals with the particular matters that you are concerned with at the time, in this case regulations regarding Medicare Prescription Drug Benefit.
Here are some of the things that you will learn in "How Big is Your Doughnut Hole? - Part D Subsidy Secrets" -
Discover how to Eliminate the "Doughnut Hole".
How to AVOID non-enrollment PENALTIES from 2005 by becoming Subsidy Eligible and enrolling in Part D plan before December 31, 2006.
How to Save your Money by making yourself eligible for Part D Subsidy Assistance.
Reduce your Part D Costs by 75% or more.
Surprising but True. You may be able to save over $100/month on your prescriptions by what you learn in this book!
Learn how to reduce your chances of picking the Wrong plan.
Learn about Part D without the marketing fluff, no insurance plans for sale here!
Resources that will help you find the plans in your area that offer the prescription drugs  that you use regularly.
Learn about the Secrets that can mean extra money in your budget each month!
"The Clearest, Most Straightforward ..."
I have heard quite a number of people speak about this Medicare drug benefit, in my role as senior director for our community's Senior Center.  David's presentation on the Part D benefit and how people can become eligible was the clearest and most straightforward presentation that I have heard from anyone.

                                                                                        Bob - Twin Cities, MN

What is a resource like this worth?

Let's look at Ann's situation again.  She was spending $1,500 per year out of her pocket for drugs. The base plan, without subsidy, will save her almost $500 per year. The "partial subsidy", which was her choice, will save her an additional $720 per year over the base plan. Stated differently, Ann will be saving an additional $60 per month, compared to her savings on the base plan, by becoming eligible for the "partial subsidy" amounts for Part D. Her total savings, as compared to her current situation of paying for her drugs out of her budget, is $1,200+ per year or a whooping $100+ per month!

All Ann did to qualify for the subsidy program that she wanted was to shift $17,000 from the category that she had it in and shift it to a type of asset that is not counted for eligibility purposes. She DID NOT give up control of the $17,000!

One way to determine what a stream of income is worth is to calculate the amount of money that would have to be held in deposit at a financial institution to create the income stream. It would take $30,000 at 4% annual interest to create $100 per month of income.

Look at the asset amount or the monthly savings and you are looking at significant savings!

Another way to look at the value of something is to determine the replacement cost or what would it take in time and money to get to the conclusion yourself. The probable place that you would go to gain assistance is an attorney that is familiar with this or similar areas of law. Depending on where you are in the country, hourly rates for attorneys with this knowledge would likely be in the $200 to $400/hour range. Taking the mid point of $300/hour and making the assumption that you would probably be charged for around three hours minimum, the attorney's bill would be $900.

The point here is that the information in this book is valuable AND the savings  are NOT one time savings. The savings are annually, year after year. If you saved $1000 per year by becoming eligible for Part D subsidies then over the next five years you would save $5000. You can do the math!

Given all of this "How Big is Your Doughnut Hole? - PART D SUBSIDY SECRETS" is a bargain at
$49.95!

(available for immediate download as a pdf file)

and there is no risk on your part because ...
100% RISK FREE
MONEY BACK GUARANTEE!
If you are not happy with the information presented in the book for any reason, you may request a refund of your entire purchase price within 60 days of your purchase.

I want you to be satisfied that this is one of the best values that you have ever purchased on the internet. I am so committed to that principle that I don't want you to send the book back ...

The book is yours to keep no matter what ....
So you really can't lose!  The book is yours no matter what.

ORDER NOW!



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Sincerely,

David Fitch

P.S. - Don't forget that this NO-Risk Offer can easily save you 10X the purchase price!

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© Copyright 2005-2006 David Fitch. All Rights Reserved.

DISCLAIMER
"HOW BIG IS YOUR DOUGHNUT HOLE? - PART D SUBSIDY SECRETS", is written for the education of the reader only. There is no legal advice being given or intended to be given to you, the reader. Your individual situation is unique and the application of the principles described in this book must take into consideration both your unique considerations and the rules of law. Whenever you are dealing with the application of rules of law to your own personal situation, it is always advisable to retain the counsel of an attorney who is familiar and regularly deals with the particular matters that you are concerned with at the time, in this case regulations regarding Medicare Prescription Drug Benefit.



© Copyright 2005 - 2006 David P.Fitch, Esq. All Rights Reserved.