I’m in my first year of being on Medicare. I used a broker to sign up and followed her recommendation to sign up for WellCare’s ValueScript Plan D for my PDP, which has a $0 premium in my state. Most of my prescriptions are cheap generics, but for a few of them I am better off using a discount card instead of my WellCare plan. Fortunately my Kroger pharmacist is helpful in telling me which discount card (among those they accept) will give me the best price, usually Visory or SingleCare.
My broker also emphasized that it’s important to re-evaluate every year during open enrollment to see what PDP is best based on my current prescription list and the latest info on premiums and formularies for the various PDP options.