I am one who has not yet signed up. My current Lipitor is $54.00 per month to me after my co-medical insurance plan chips in $6.00. Under their plan I would pay $28.00 a month with a $250.00 deductible each year. And then I don't know how much of the $54.00 would be covered.
I remember how medical care and prescription drugs were affordable by everyone until the government went into the business with Medicare. Look for the same thing to happen with prescription drugs. They are extremely high now, but just wait!
It sounds like you have a wonderful prescription coverage plan and really don't need this.
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!!!!
What happens if you have to get more expensive medications in the future? Just something to think about.