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All of the Plan D analysis tools that I have found are based on what medications one currently takes. I take none, but I would like to enroll in Plan D in order to insure myself against an unforseen catastrophic Rx cost.
What plans offer the best all-around formulary at a reasonable premium cost?
I have no basis to evaluate individual formularies myself.
Thank you, everybody, for your advice.
I went for the cheapest NJ Part-D plan -- First Health Secure - $15 per month ($180 per year).