1-800-MEDICARE is the answer here. You can go to the website too. Either way you can build up your own list of meds and they will tell you which 'Part D' plan works the best for you. Then you can bolt that on to a PFFS medicare advantage MA plan or you can switch to a medicare supplement plan. Both of these leave you dangling until next year UNLESS you qualified for Medicare within the last 12 months. If this is your first year on the MA plan then you CAN switch any time that you want but ONLY to a Medicare Supplement plan. Otherwise you must wait to the next open enrollment period before making your change in 2013.

Medicare Supplement or 'Medigap' policies DO come with monthly premiums but the plan N for most companies is extremely affordable. Then you MAY choose which of the 'Part D' plans you want to add to it. There IS a monthly premium for whatever Part D plan you choose but when you add the two together it will probably still save you money in the long run over your excessive copays. Just make sure to call 1-800-MEDICARE and to tell them exactly which prescriptions you currently or want to take. DO NOT try to add new Part D coverage to your MA plan unless the plan specifically allows it Most typically do not. If you do then the Part D coverage will replace your existing MA plan and you will be left without any health coverage at all! After that you will only need to worry about the dreaded donut hole in your prescription coverage. If you don't already know what that is then the people at medicare will explain it when you call.

ki understand what you are going thu i am a humana too and they are doing the same thing to me