True, and I mentioned that in my post. But if you are eligible by virtue of having a commercial drug insurance, a private health plan, or the FEHB plan ( unless it's been switched to a Medicare Part D plan, as the federal Blue Cross insurance covering retirees who have Medicare did effective Jan 1 of this year, we opted out), it's a substantial savings. I figure there are any number of people who may fall into the eligible category if they're not retired yet, working with employer covered insurance, or retired with drug coverage in an employer-based commercial insurance plan ( similar to the FEHB but private sector employers).