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Sorry, missed your response, so late getting back to it.

If you are straight Medicare then TFL will be both your Medigap and your Part D (Express Scripts), if I'm not mistaken. If so, there is no need to buy a Medigap or part D coverage. Here's an info link on this through MOAA.

Yes, Express Scripts, as I've read, has raised copay. But if you compare them side-by-side, you'd likely not find a part D plan that covers what TFL covers thru ExpressScripts and TFL is available to us with no premium. Not sure that will hold up over time, but let's hope so.

But as you say, it is worth looking into

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