We've talked a lot about the screwball incentives and laughable implementation of Medicare Part D, but Kriston takes another approach: if you're an epileptic, the benefit simply doesn't cover a necessary class of drugs. This, as various elderly folks with uncommon conditions are finding out, is proving a fairly common problem across the benefit, and it's replicated on a micro scale across various drug plans. While few drugs are simply banned across the program, many are excluded from individual plans. That means a wrong choice now results in paying out-of-pocket for essential drugs later, which is why so many seniors are so scared to sign up.
