Compare two plans on what they will actually cost you across the year — premium plus deductible plus your real drug costs — instead of on the premium, which is the number that misleads people.
Enter the total annual retail cost of your medications — what they would cost with no coverage at all. The Plan Finder at medicare.gov will give you this precisely once you enter your drugs and pharmacy; a rough figure works here.
This models standard Part D cost sharing and the annual out-of-pocket cap. Real plans use tiered copays that vary by drug, so treat this as a comparison of structure rather than a quote — medicare.gov/plan-compare gives exact figures once you enter your medications and pharmacy. Bring this to the October call.
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