They're hard to figure. I have Part D but it's next to worthless on some drugs. Other more common drugs (ones that have gone beyond the patent time limit, I guess) are free.
Where they make out is when their expense on certain drugs gets too high they reclassify it into another category requiring you to pay more for your part.
I also think government, like Biden and his plan that went into effect to make insulin cheaper just raised the cost on other drugs significantly. Politics.
In the end, I just count prescriptions I have as out-of-pocket and have the Part D only because I am required to have as part of Medicare. In any case, I still treat MA or MediGap insurance like the plague because of all pitfalls they have if you don't closely follow the rules and precoordination.
They’re hard to figure. I have Part D but it’s next to worthless on some drugs.
*****
Agree. I have A,B, and D, and some of my meds are generic. Tier 5 drugs are cost prohibitive for me.
I have supplemental insurance, but it doesn’t cover them.