When it comes to Medicare Part D it paid for us to shop around and use the services of our county aging and disability specialist. We've been with the same company for a number of years in large part because the increase didn't seen worth the trouble of changing. This year the increase was a little more so we got busy. Using the medicare.gov web site we did an analysis using our formulary (drug list) and were surprised by the results. Enter the aging and disability specialist, she review our information and confirmed what we had found. We will have a significant savings by having shopped around. There's still time if you have any doubts.