No. of Recommendations: 4
The advice I've seen is that if you are currently not taking any expensive drugs, and it would be cheaper to pay for the drugs you do take out-of-pocket, just select the cheapest drug plan available in your zip code. (That's a $12/month Walmart plan where I live.)

Once you're in the Medicare Part D environment, you can change plans without penalty or pre-existing condition restrictions during the open enrollment period each year. Then if you need to take a $10,000/month cancer drug 10 years from now, you can switch to the cheapest plan that covers it.

Chemo would usually be an inpatient IV drug covered by Part A or B, but there are expensive cancer drugs in tablet form that are paid for by Part D. You need to cover all the bases since you won't know up front where the cost is going to come from.

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