So the drug company Glaxo Smith Klein or Pfizer (or both?) has been pushing

[Ms. Toad]

18. Find your part D (prescription) coverage -

That's where you'll get your free RSV vaccine.

Another tip on part D plans (and actually most insurance coverage for drugs) - you can often save big bucks on prescription coverage by buying a lot of your medicines through Costco mail order or Good Rx (and just skipping the insurance). It's bizzrre, but a little more than half of our drugs are cheaper without insurance through Costco mail order. It does make it more complicated, since you have to track the out-of-pocket costs against the insurance costs. The savings more than covers the cost of membership - so even if we didn't have a costco nearby we'd still have a membership. For example, potassium citrate costs from $144.50 to $1407 for a 3 month supply, depending on which plan we bought. Without insurance, it costs $244.78 from Costco. All of the plans that sell it for under $245 were very pricey plans $65/month or more. So we bought the ~$10/month plan (with Potassium Citrate for around $444/90 days) - and buy the med from Costco.

We compared all plans - and found that the plans with the cheapest premiums still ended up being cheaper than the ones with higher premiums (as long as we shopped around for cheaper off-plan drugs).