When I first retired, I wasn't old enough/sick enough to qualify for Medicare. Each month I paid out over $300 for insurance to maintain what I had had through my employer. That did not include co-pays. As Medicare coverage loomed, there was a great ombudsman through the county's Area Agency on Aging, who guided me in making decisions, using spreadsheets for comparisons and "talking turkey". She wisely said "you don't know what may happen in the future, so look ahead now and get your coverage lined up". So right! I have kept with my same coverage for over 4 years now, and it remains the best for me, even with the increase in specialists and different scans/procedures. My prescription costs are manageable.

Going onto chemo earlier this year, I researched and found a grant to assist me to cover the co-pay, which is $3,000 per month! I just sent in the paperwork to renew for 2022.

My husband created a spreadsheet for himself this enrollment period, to look up different plans available, co-pays/premiums, and out-of-pocket costs for his meds. If you have it available to you, a mail order 90 day supply may be the best for your situation, or a local brick-and-mortar store that offers discounts.

It takes time to shop around, but it sure can save a lot of headache, heartache, and money. For over-the-counter health needs, using the store brand versus name brand may be a good option. Take advantage of sales and coupons. Partner with a neighbor or friend who might split supplies up with you, if buying in bulk. Some things do not have expiration dates [thinking soap, shampoo, etc here].
Ginger