Infinite Retirement Solutions

Biden administration telling whoppers , they don’t have any successes so now they are running commercials saying this administration capped the cost of insulin to 35.00 dollars when in fact MAY 16th 2020 The TRUMP ADMINISTRATION ENACTED IT.

President Trump Announces Lower Out of Pocket Insulin Costs for Medicare’s Seniors

May 26, 2020
Medicare Part D
Share opens in new window opens in new window opens in new window
Today, under President Trump’s leadership, the Centers for Medicare & Medicaid Services (CMS) announced that over 1,750 standalone Medicare Part D prescription drug plans and Medicare Advantage plans with prescription drug coverage have applied to offer lower insulin costs through the Part D Senior Savings Model for the 2021 plan year. Across the nation, participating enhanced Part D prescription drug plans will provide Medicare beneficiaries access to a broad set of insulins at a maximum $35 copay for a month’s supply, from the beginning of the year through the Part D coverage gap. The model follows on the Trump Administration’s previously announced 13.5 percent decline in the average monthly basic Part D premium since 2017 to the lowest level in seven years.

Currently, Part D sponsors may offer prescription drug plans that provide lower cost-sharing in the coverage gap; however, when they do, the Part D sponsor accrues costs that pharmaceutical manufacturers would normally pay. These costs are then passed on to beneficiaries in the form of higher premiums. The new insulin model directly addresses this disincentive by doing two things: 1) allowing manufacturers to continue paying their full coverage gap discount for their products, even when a plan offers lower cost-sharing; and 2) requiring participating Part D sponsors’ plans, in part through applying manufacturer rebates, to lowering cost-sharing to no more than $35 for a month’s supply for a broad set of insulins.

Under President Trump’s leadership, for the first time, CMS is enabling and encouraging Part D plans to offer fixed, predictable copays for beneficiaries rather than leaving seniors paying 25 percent of the drug’s cost in the coverage gap. Both manufacturers and Part D sponsors responded to this market-based solution in force and seniors that use insulin will reap the benefits.

Based on CMS’s estimates, beneficiaries who use insulin and join a plan participating in the model could see average out-of-pocket savings of $446, or 66 percent, for their insulins, funded in part by manufacturers paying an estimated additional $250 million of discounts over the five years of the model. With a robust voluntary response from Part D sponsors, CMS anticipates beneficiaries will have Part D plan options in all 50 states, the District of Columbia, and Puerto Rico, through either a standalone prescription drug plan (PDP) or a Medicare Advantage plan with prescription drug coverage. Beneficiaries will be able to enroll during Medicare open enrollment, which is from October 15, 2020 through December 7, 2020, for Part D coverage that begins on January 1, 2021.

“President Trump has forged partnerships with pharmaceutical manufacturers and plans to deliver lower priced insulin to our nation’s seniors,” said CMS Administrator Seema Verma. “This market-based solution, in which insulin manufacturers and Part D sponsors compete to provide lower costs and higher quality for patients, will allow seniors to choose a Part D plan that covers their insulin at an average 66 percent lower out-of-pocket cost throughout the year.”

The Part D Senior Savings Model – which was announced on March 11, 2020 – is a voluntary model that tests the impact on insulin access and care by participating Part D enhanced alternative plans offering lower out-of-pocket costs, at a maximum $35 copay for a month’s supply, for a broad range of insulins.

Part D sponsors that participate in the model will offer beneficiaries Part D prescription drug plans that provide supplemental benefits for a broad range of insulins, including both pen and vial dosage forms for rapid-acting, short-acting, intermediate-acting, and long-acting insulins. Participating pharmaceutical manufacturers will continue to pay their current 70 percent discount in the coverage gap for their insulins that are included in the model, and based on the model’s waiver of current regulations, those manufacturer discount payments will be calculated before the application of supplemental benefits under the model – which will reduce the out-of-pocket cost of insulin for Medicare beneficiaries.

One in every three Medicare beneficiaries has diabetes, and over 3.3 million Medicare beneficiaries use one or more of the common forms of insulin. For some of these beneficiaries, access to insulin is a critical component of their medical management, with gaps in access increasing risk of serious complications, ranging from vision loss to kidney failure to foot ulcers to heart attacks. Unfortunately, the costs of insulin can be a major barrier to appropriate medical management of diabetes.

A beneficiary’s out-of-pocket costs for insulin in Medicare’s Part D prescription drug benefit can fluctuate from one month to the next, in part due to the different rules applying for each phase of the Part D benefit. This can be challenging for beneficiaries when budgeting for their drug costs. These challenges can in turn lead to beneficiaries not being able to afford their medicine or resorting to medication rationing, resulting in worse health outcomes over time. The model aims to address this with stable, predictable costs for insulin that beneficiaries know up front by staying in or choosing a model-participating plan during open enrollment.

Part D sponsors that applied must submit their calendar year 2021 plan benefits to CMS by June 1, 2020 to designate their participation in the model. CMS anticipates releasing the premiums and costs for specific Medicare health and drug plans for the 2021 calendar year in September 2020, including final information on the model.

Beneficiaries will be able to find a Part D plan participating in the Part D Senior Savings Model in the 2021 plan year through the Medicare Plan Finder on Medicare.gov during the annual open enrollment period, which begins on October 15, 2020 and ends December 7, 2020. CMS will enhance the Medicare Plan Finder to include a filter to identify plans that will offer capped out-of-pocket costs for insulin in the model so beneficiaries can easily find those plans during open enrollment in the Fall. The Medicare Plan Finder, which was upgraded for the first time in a decade last year, is the most used tool on Medicare.gov and allows users to shop and compare Medicare Advantage and Part D plans.

The Part D Senior Savings Model builds on steps the Trump Administration has already taken to strengthen Medicare and improve the quality of care for patients with diabetes. CMS has taken the following actions to address the needs of beneficiaries with diabetes:

Providing coverage for therapeutic continuous glucose monitors (CGM) for patients who synchronize their insulin devices with their smartphones, when used in conjunction with a durable CGM receiver.
Allowing Medicare Advantage plans to offer a broader range of supplemental benefits tailored to a patient’s chronic disease. For an enrollee living with diabetes for example, a plan could provide transportation to a doctor’s appointment, diabetes education programs, or time with a nutritionist.
To respond to the coronavirus disease 2019 (COVID-19) public health emergency, CMS has taken additional actions to ensure that beneficiaries with diabetes have access to treatment and care by:

Implementing statutory requirements for Medicare Part D prescription drug sponsors and MA plans with a prescription drug benefit to allow enrollees to obtain prescription fills or refills of covered Part D drugs—including insulin—for up to a three-month supply in most instances.


Providing additional flexibility to Part D sponsors to give beneficiaries more options for delivery of their medications – including their diabetes supplies -- such as mail or home delivery through retail pharmacies.


Expanding telehealth so that people with diabetes, nationwide, can still maintain access to their doctor.


Expanding access to therapeutic continuous glucose monitors for patients with diabetes as determined medically appropriate by practitioners. Previously, patients were required to meet certain clinical criteria to qualify for coverage of a therapeutic continuous glucose monitor under Medicare. During the COVID-19 public health emergency, CMS will not enforce the clinical indications in Local Coverage Determinations for therapeutic continuous glucose monitors in an effort to give practitioners the flexibility to allow more of their diabetic patients to better monitor their glucose and adjust insulin doses from home.
More information on the Part D Senior Savings Model can be viewed at: https://innovation.cms.gov/initiatives/part-d-savings-model

To read a New England Journal of Medicine perspective on Medicare Part D and insulin affordability, please visit: https://www.nejm.org/doi/full/10.1056/NEJMp2001649.

5.26.20 Trump's Part D Senior Savings Model

PLEASE SHARE

Here is a typical Facebook scam. They have a website, you call or contact through email , cars are priced a little to good. This one is 20-25k low you offer 4-5k less they tell you they’ve got allot of cars coming and if you pay cash they will accept. The paperwork they send is a joke. There business docs are obviously fake and they provide wiring instructions 98% time to Wells Fargo .

Determine if it’s legitimate.

1. See 360 view on google maps.
2. Ask for them to do a live walk around via FaceTime or zoom.
3. Have them take a pic of vin plate.
4. Use independent company to verify vin, if comes back with no records found it’s a fake.

These scams are coming from Russia for the most part according to FBI. To my classic car owners and buyers if it’s to good to be true ,,, it is without exception.

Danny Smith •
You Founder- President

I hope this post finds you well. I don't usually send post out about openings in my organization but I beleive in giving back.
If you got good experience and you truly understand that your business is going to be about your dedication to the industry and the quality of the clients that you spend your precious time with message ,me call me. I'm not interested in building Agents, I want owners!!! If your tired of the empty promise of BS leads to only find out your a pawn that throws you a few tshirts an occasional piece of jewelry, etc. call me. I have a proven system of getting in front of the right people and working with individuals who are proven but have great hearts.
If your happy where your at,, stay. However if you known you've out grown your current platform contact me. Either way have a good second half to your year and help others .
God Bless, Danny Smith
Founder of Infinite Retirement Solutions .
Feel free to share .
Danny.smithInfinite Retirement Solutions

Infinite Retirement Solutions:
4590 E Hwy 20 Niceville Fl 32578.

Intergrated Trust Solutions:

It has been a warm reception in Niceville and we are proud to call this city home. We are expanding to add a location soon and I will share that later once all the inks dry. The Partnership has been a tremendous blessing to the community and I look forward to it continuing. Gods Good !!!!

Thank you for all the wonderful Birthday Wishes:
Today God Blessed to close on our House in Niceville-Destin. What a Great Bday gift. Jasper Approves and getting to start this new adventure with
Di Kelly Smith is the best gift of all.

Caught up on prayers

TikTok · Storm Guys 3667 likes, 217 comments. “one of the craziest tornadoes ever”

Great Footage

TikTok · 🚨Tornadoes🌪️ 8661 likes, 421 comments. “ ゚viral #”

57 Today and I asked myself a question? What is the most important thing you’ve learned so far? To Trust God and know I got allot of learning to do. So I’m off to work to see who I can help with Retirement, and Estate needs. With a quick celebration breakfast otw.

Night moves:

Yep

TikTok · Jean Check out Jean's video.

Interesting

TikTok · Christopher Stout 6701 likes, 2087 comments. “Does BLM help black people? I'm asking because I don't know and asking for your input and insight. Have they done any good that I should know about?”

Updated Winter Pass:

Hidden beauty:

Mid winters Day:

Our recent collaboration with Intergrated Trust Systems is aimed at enhancing public service.
Meet our capable Team at Integrated Trust Systems.

Gentle night

A little Sea Scape before work , It took 23 minutes.

A walk in the Fall :

A little Fall Scene:

A quick oval : “Wispering Stream”

Been a little while but I managed to paint this today:
“What we don’t see”

I’m looking forward to serving The Panhandle with our New Location:

My parting thoughts:
Congratulations to my Michigan Fans Andrew Stephens , Michael Axelrod, William Thomas.
What a great game , both teams made allot of mistakes but today Michigan was the best team.
So HAPPY NEW YEAR . BAMA will be back , but as for me I’m expecting more in 2024 Roll Tide , Great Season.

Foothill Beauty:

Rock valley: Sunset

A pic for Mom: Merry Christmas

A little River Scene:

Nature N Sync: