I also use Wellcare. I'd say check that out.

Also, see the post right under your post about drug prices. It's pretty informative.

I find it all so very confusing .

I just ignore the Medicare Advantage stuff. Here’s one of the links to Part D info:
https://www.medicare.gov/drug-coverage-part-d/how-to-get-prescription-drug-coverage/6-tips-for-choosing-medicare-drug-coverage

but delayed for about a year signing up for part D. Because I delayed the start of Part D, I now have to pay an $11.00/month penalty for life added on to my Part D.

You may want to make sure you don’t make my error.

for two years. If we get any penalty at all, it should end in my case after two years.

Is that documented somewhere? I thought the penalty for delay was permanent.

I hope you're right.

was any penalty at all, I think that should be the limit.

but GWB and the repugs in Congress, along with a few paid-off Dems, passed this Pharma-driven scheme. Part D is pure crap.

about the penalty if you delayed signing up for a drug plan. They really don't hide it.

Even with a penalty, it may pay to get Part D when it's available to you (again, Medicare should be able to answer this).