"....they don't have to use Part D, unless you're stuck on it once you start."
Thats the secret.....they are under NO obligation to get all of their meds thru the Part D provider.....this plan is useful only if someone actively manages it.
My revelation led me to decide to buy my Mothers generics as a straight-up walk-in at a local pharmacy, using only her AARP discount card........and to use the "Plan D" program to mail-order her very expensive bob-generics.......the 2250 limit is severely compromised if you allow the "total cost" of the generics to be tabulated into the 2250 at top-dollar-retail. Big deal if she pats 25 at a pharmacy instead of 4 thru part D but has 200 or more tacked onto the accumulating 2250.
non-generics......damn b is too close to the n, LOL