Moreover, you need to know the timing of when it will be prescribed. Getting an expensive script in February is much different on your pocket book than say, next December. And finally, formularies change frequently.
And since these are known unknowns, you go with the best information available. And review Part D plans during open enrollment every year.
We’ve had Wellcare past couple of years and it’s been fine. But due to the new regs, Wellcare’s pricing has skyrocketed in my zip code, so we’re changing (to Cigna).
Broker’s are fine, but have you run the numbers yourself?