@marianq I have a Medicare Advantage plan from Minnesota UCare that I really like. My everyday blood pressure drugs are zero copay but then I am paying about $200/month for the plan. There are a few suggestions for trying to wade through the choices on Medicare.Gov here:

6 tips for choosing Medicare drug coverage: https://www.medicare.gov/drug-coverage-part-d/how-to-get-prescription-drug-coverage/6-tips-for-choosing-medicare-drug-coverage

If you have a local community seniors center or county office you might give them a call to find out if they have any speakers that are coming in to help seniors understand their options for medicare.

Good afternoon.......let's see if I can explain what I meant. Sometimes I forget the techie names. So...here goes,
Yes. OptumRX is the AARP pharmacy.

The gaps and end runs are the Medigap phases where you pay more or less for a time based on how much you have paid overall. Then....at the end of the year, if you have paid a lot, you kind of get a free ride. So...here goes. In the beginning of the year.....it was $1500 which included the original deductible. Then it evened to about $500 and at the end of the year, each Packett was $99 which I named the end run.

I found that both Optum and Amgen were helpful every time something changed and I needed clarification. The medical professional at Amgen would consult with the research staff and get back to me. They treated me well. The manufacturer has a patient assistance program that helps with outside funding. Optum can save you some $$$$ by sharing information you might not have.

Regarding Enrollment........I meet with an insurance advisor every year. We go over the prior year and try to anticipate the next year. That is very helpful. She also sets up everything with the insurance entities for me like automatic payment.

Hope this is helpful..........sorry for me substitute names. What is your priority right now?

May you be mentally and physically well.
May you have comfort and ease.
Chris