The great concern is that people aren't going to be aware the drug they are taking is not covered, and they are going to end up getting told at the pharmacy.

April is going to be a troublesome period because of a convergence of a number of factors.

I don't see how (Medicare) can get away with saying it's a wash. The plans might use different mechanisms, but they are going to bring costs up for people.

This whole thing is like an onion. The more you peel, the more you cry.

The real fear is people will have interruptions in their coverage, that people will not be able to access the medications they need.

The fear is many people are unaware the drugs they are currently taking are not covered by their plan.

Part of the problem is that they are trying to pitch something to seniors before they need it. They are kind of putting the cart before the horse. To the extent that people don't know what [the drug benefit] is, they are not going to want to bother with this extra help.

You shouldn't rely on marketers to give you completely unbiased information about your choices. That's not to dissuade people from going to these things. But they need to supplement those sessions with information from a trusted source.

There's such a thing as too much choice. If you give seniors a bunch of choices as opposed to a few, their typical reaction is to throw up their hands and take no choices.