Announcement

Collapse

Message to all users:

https://carm.org/forum-rules

Super Member Subscription
https://carm.org/carm-super-members-banner-ad-signup

As most of you are aware, we had a crash to forums and were down for over two days a while back. We did have to do an upgrade to the vbulletin software to fix the forums and that has created changes, VB no longer provide the hybrid or threaded forums. There are some issues/changes to the forums we are not able to fix or change. Also note the link address change, please let friends and posters know of the changed link to the forums. For now this is the only link available, https://forums.carm.org/vb5/ but if clicking on forum on carm.org homepage it will now send you to this link. (edited to add https: now working.

Again, we are working through some of the posting and viewing issues to learn how to post with the changes, you will have to check and test the different features, icons that have changed. You may also want to go to profile settings,since many of the notifications, information in profile, also to update/edit your avatar by clicking on avatar space, pull down arrow next to login for user settings.

Edit to add "How to read forums, to make it easier."
Pull down arrow next to login name upper right select profile, or user settings when page opens to profile,select link in tab that says Account. Then select/choose options, go down to Conversation Detail Options, Select Display mode Posts, NOT Activity, that selection of Posts will make the pages of discussions go to last post on last page rather than out of order that happens if you choose activity threads. Then be sure to go to bottom and select SAVE Changes in your profile options. You can then follow discussions by going through the pages, to the last page having latest responses. Then click on the other links Privacy, Notifications, to select viewing options,the forums get easier if you open all the tabs or links in your profile, user settings and select options. To join Super Member, pull down arrow next to login name, select User Settings and then click on tab/link at top that says Subscriptions.

Thank you for your patience and God Bless.

Diane S
https://carm.org/forum-rules
See more
See less

The Donut Hole -

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • The Donut Hole -

    I've been on medicare now for about 7 years, and as I recall, the donut hole was SUPPOSED to get smaller.

    What I've found, however is that it appears to be getting WIDER. You get in with the sum of your out of pocket, and the Insurance company's payments, but you get out based ONLY on your own out of pocket. I was already in the hole in April, and it's gonna take another $3000 out of pocket to get out, so I won't be out until September. Last year I Never got out. I'm wondering what changed ovwer the last two years.

  • #2
    Under the Insurance glossary we call it co-insurance. If you pay enough, they will start to help.

    Comment


    • #3
      2 things you can definitely look to do to, to reduce your pharmaceutical expenses. There are ******** Discount programs online that are legit, and can offer discounts to patients that are very significant. Its all legit, as they negotiate with the chains for lower prices. If someone has good insurance, and shows their insurance card for a $100 prescription and there is a $20 copay, the insurance company pays less, usually a lot less, than the $80 difference.

      Second thing you can do is to complain to your prescribing doctor. There is often more than one drug for whatever condition you have, and the prices of the options can be all over the board. In addition, doctors have pharm reps visit them all the time, giving them free samples of new nostrums that they have come up with. They are glad to move them out of their offices if they have them.

      Comment

      Working...
      X