I am disabled, receive SSDI & Medicare Heatlt ergo... Medicare Part D Rx coverage. I joined Today's Options which is a private "Fee for Service". They incorporate both your Health coverage along w/ Part D prescription coverage.
The health insurance is fine, but the prescription is a seperate "out sourced" portion of their plan & it is the worst Part D plan available. All the call centers are in the Philipenes & the language barrier is terrible. The reps don't even have the most basic information & are apparently hired to have thick skin & only say "I'm Sorry" over & over again.
I'm in a bind because I require a lot of medical procedures & attention, & their health plan saves me money vs. Medicare. They know this & make their (huge) profits by rolling it all together (health & Rx) then outsource the Rx coverage overseas but under their American corporate umbrella.
My local rep was at a national meeting & told a V.P. of all the Rx Plan complaints he was getting & reply he received was; "I know. But look at the price of the unit"
Please take my advice. Stay Away - Stay Away!!

The problem here is S.S. is supposed to be paying my supplement to them?... did they?... i don't know... they don't communicate with us but to get a bill for premiums not paid for most of 2007?... huh? they wait till i have to mortgage my house to pay them?... sarcasm here but what the heck... they're all crooks ... just hard to find the least crooks... health insurance shouldn't make you sick to have it.