The first thing you must do is check the plan and make sure that it will allow for the drugs you take. We have found that the difference in costs on part D drugs are not that much different from plan to plan. I do know some plans that have a $320 deductible. The copays for the different tiers are slightlydifferent. If you know your drugs you can calculate the costs. The problem is of course if you need different drugs once you start the plan....
Re read your post as I got distracted at work.
No you don't have to pay $1000s for drugs before the plan kicks in.
Suggest you look at Medicare Advantage plans if you like HMOs. My wife is on one due to her disability. She cannot be on a supplemental plan. The cost is $0 and for medicare parts A , B and D is of course much better than straight medicare. Her plan has $0 deductible for drugs. Check out AARPMEDICARECOMPLETE.COM.
GOOD LUCK!
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