[refurb]

You’re pretty angry for someone who has limited knowledge on this topic!

It’s highly subsidized by the gov’t so the fee is trivial compared to the benefit. 2019 budget is $99B. Monthly cost is a little over $200 if you pay full freight.

Unless you’ve got other insurance, you’d be stupid not to go with Part D. You’d pay more with a private plan.

Medicare Part D plans (private insurers) compete for customers and get money from CMS for offering coverage that confirms to CMS standards.

It’s far more than “negotiating block and cost averaging”.

[dang]

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Your comment would be fine without the first sentence.