Geez why didn't I know Medicare was so damn confusing and frustrating?

[JustABozoOnThisBus]

14. SheltieLover gives good advice, but, for Part D: ...

... it's not that hard. Create your account on www.mymedicare.gov, go to the part d page, enter all your prescriptions, pick a few local pharmacies, and it will give you a list of insurers with cost of insurance, copay on drugs, total cost. Pick a "cheap" one, and you're done.

You have to do that every year. Some insurers have discontinued the plan I have in the current year, and automatically enroll me in a more expensive plan, even if they then invent a lower cost plan under a different name. So, just do the exercise every autumn to be sure.

Some people like their Part C (Advantage) plans. They cover more stuff, are cheaper. But, you're restricted to "in-network" rules that can bite you. I'm on Part B with Plan F supplemental. It costs a bit more, but no hassle.

I hope someday Part B will cover hearing/dental/vision.