Bill,
In typical fashion, the politicians have managed to confuse everyone on plan D. Nancy and I both qualify for Plan D but have yet to decide what to do. My daughter does billing in the medical field, She along with everyone I have talked to is in the dark on this one.

Neither Nancy or I have ever been on any prescription so if we take it now it will just be an added expense. If someone is using expensive prescriptions now, they will save. There is no simple answer. The pros and cons differ with every individual. Just my opinion.