I understand Medicare D does not have a 250.00 deductible - your coverage starts immediately, with a co-pay ----- then when you reach $2,??? (it is between 2000 and 3000) there is what the dems are calling a 'donut hole' you pay all out of pocket until you reach $3,600 then it goes to 95% govt and 5% self.
At least that is what my Medicare D plan is with a $22.00 monthly premium.
Would I prefer to not have the govt. involved, yes!!! but they are!!!!
Would you mind telling me what plan you've enrolled in please?