All Medicare Part D insurance plans are tailored to fit different situations.

These Government plans are confusing, even for educated professionals, so speaking to a specialist is important.

No matter which Medicare Part D insurance you choose, you want it to be the most inexpensive Part D insurance for your specific needs.

Cheaper plans lower overall costs and give you better coverage when full retail prescription expenses are close to $2,250 per year, as long as they cover the prescriptions that you take.

Consider This:

• Discuss your annual prescription costs with a pharmacist to find out what you would pay retail if you had "No Insurance". This is important because basic Medicare part d coverage is only good up to $2,250 for most medical insurance plans.

• Once you spend beyond $2,250 you are into the "Doughnut Hole" with most Medicare part d plans and it is at that point your coverage ends.

• You continue paying monthly premiums when in the "Doughnut Hole" with Medicare part d, but there is "No More Coverage" until you reach the catastrophic area which is pegged at $5,100.

A large number of seniors will not reach the catastrophic area in Medicare part d and will be stuck paying 100% when they go beyond $2,250 if you choose the wrong plan.

Medicare Supplementss should be chosen based on price. Coverage on Medicare supplements is standardized, rates are varied. The Medicare supplement policy that you choose during the open enrollment period may be the most important decision you make for your retirement years. The savings that you thought you had shrinks dramatically the further your expenses surpass $2,250 in the Part D. In short, your savings drop dramatically once your coverage ends.