I did lots of research on the Internet and found Humana to be the best program for my family, and also for several of my friends, based on the medications we/they take.
I picked Humana as the best alternative for my wife. Then I read that Humana made a big grab for this market for future inclusion of seniors in total management.
If this makes drugs competitive and people more free to choose, that much is good.
Our presecription costs were running away and Medicare D is keeping things at last year's level, as far as I can tell.
Difficult to understand the program? I have health insurance and other training and I still find the whole system opaque.