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Medicare Part D: The hidden rip off!

I just realized, even the cost of generic drugs, which can be purchased for less than the insurance copay, were still being credited, by the Prescription Part D insurer, towards the amount spent on drugs for the year, helping to fulfill the initial drug cost requirement ($2700 for 2009), after which you enter the "donut hole". This is despite the fact the insurer pays nothing out of pocket, nor ever will, for those drugs. (At least that's the way it works for the AARP Prescription Drug plan through United Health.)

So in other words, you would be better off purchasing the generic drugs on your own, through a WalMart, Costco, or Target, and not use your Prescription Part D insurance, and then using a different one of the pharmacy's for your non generic drugs.

In my case, or in the case of my aunt, had she done that (in addition to not using Rite Aid), she would have saved about $700 last year.
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