Please go to "my 3 cents.com" They have all the ratings,horror stories,good reviews,etc on all the insurance plans.Also just call medicare,or SHIPS.com They are the ones to help you with all questions and will find a plan to fit your needs.First you have to know what is available in your area.I live in a rural area where not much is available,but they did find me a great plan.Wellcare is my prescriptions,and I just love them.Never in 5 yrs have I had 1 problem with them.