You sound like you might be thinking along the lines of "I won't buy insurance until I need it". IMO, that doesn't work any better for health care than it does for life insurance or fire insurance on your home.I carry Part D and have only used it once. I've used Wal-Mart's low cost generic program a few times. I don't take any meds regularly except Cialis, which isn't covered by Part D because Congress decreed old people should not have sex. But I carry Part D because I never know when I may be diagnosed with something that requires expensive medication. I have friends who are in that situation and thankful for any help they can get with medication costs, which in one case runs over $2000/month.
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