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Well you waited to long this year. But next year when enrollment opens go to and use their online tool to compare Part-D plans. You can enter your drugs and see which plans have the lowest total cost. In your case the premium difference between a $40 a month and $25 a month plan probably is not a major factor -- but the premiums, co-pays and deductibles are all considered. The tool knows which drugs for each plan are in which cost Tier.

A word of warning - do not try and use the until the official enrollment period begins. Some plans will have full data early, some no date early others will have partial data, last years price, or even list pricing.

Finally, another reason to use this is the system will remember your drugs so you can come back in the fall of 2014 and will only have to add the new drugs and delete those you no longer take.

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