I am disabled, receive SSDI & Medicare Heatlt ergo... Medicare Part D Rx coverage. I joined Today's Options which is a private "Fee for Service". They incorporate both your Health coverage along w/ Part D prescription coverage.
The health insurance is fine, but the prescription is a seperate "out sourced" portion of their plan & it is the worst Part D plan available. All the call centers are in the Philipenes & the language barrier is terrible. The reps don't even have the most basic information & are apparently hired to have thick skin & only say "I'm Sorry" over & over again.
I'm in a bind because I require a lot of medical procedures & attention, & their health plan saves me money vs. Medicare. They know this & make their (huge) profits by rolling it all together (health & Rx) then outsource the Rx coverage overseas but under their American corporate umbrella.
My local rep was at a national meeting & told a V.P. of all the Rx Plan complaints he was getting & reply he received was; "I know. But look at the price of the unit"
Please take my advice. Stay Away - Stay Away!!