Don't make the mistake of not having medicare D or a medicare advantage plan with drug coverage. If you fail to sign up or have coverage it is a lifetime penalty of 1% a month for every month you didn't have it when you do sign up. Lots of people find this out the hard way and at 12% a year for each year it's a big penalty and it's for life. Just missing 3 years will be a 36% penalty.
The funny thing about science is that if you change one miniscule parameter you change the entire outcome to the way you want it.
JB Rhinehart, Realist
A-Body's RULE!
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