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En español | Your goal in choosing a Part D plan is to pick a plan that covers all of your drugs at the least out-of-pocket cost, provides good service, and meets your own needs and preferences. You can do this in three ways:
This may seem a lot of work, but it’s important to compare drug plans carefully if you want to find the one that’s best for you. For example, plans can and do charge widely different copays — a variation that in some cases has exceeded $100, $300 or even $500 for a 30-day supply of the same drug, analyses have shown. Ideally, you need to do this comparison every year during open enrollment (Oct. 15 to Dec. 7) because plans can change their costs and formularies (the lists of drugs they cover) every calendar year.
To understand how Part D works, see AARP’s consumer guide to the program at http://www.aarp.org/health/medicare-insurance/medicare_partD_guide/.
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