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Do what works for YOU.

We both are past 70. I signed up for Medicare at 65 and so did she. We also have AARP's Medigap plan for supplementary. I've had surgery twice, we both see the doctor regularly, etc., and have paid ZERO beyond my premiums.

As for Plan D? I had it for 1 year and dropped it totally (she never did sign up) when I found out how complicated it can be to find the most reasonable one EVERY YEAR! It was also going to cost me about $40/month PLUS $5 COPAY PER PRESCRIPTION for my meds so I dropped it.

Yes, IF we needed to restart Plan D now, it would cost us a damned "penalty", but I think the whole thing is a stupid mess. If there were ONE choice, fine, but who wants to spend hours wrestling with deciding among plans every year -- and then going through the trouble of CHANGING them?

We started to pay $7 per year to Hannaford's (grocery chain) for their pharmacy plan 2 years ago. I am on 3 BP meds and pay $9/3 months for each of them -- with no copay. She pays for 1. Do that math. Not bad!

You choose, but that's what we did, regardless of the "lemming" concept that said we HAD to have a plan.

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