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...optional, but if they choose to enroll after May 15, there will be penalty of higher premiums. Everyone who gets both Medicaid and Medicare benefits ("dual eligibles") will automatically be enrolled in Part D.

Choosing a Plan

Because the lawmakers who passed it favor free-market capitalism over simplicity, there will be "50 to 100 different plans, all advertising" to consumers, says Tom McCormack, a public benefits policy consultant at Title II Community AIDS National Network (TIICANN). Beneficiaries can select the plan they expect will work best for them. Beginning in late October, extensive information about each plan's formulary, which pharmacies they will cooperate with, and what monthly premiums and co-pays they will charge will appear on www.medicare.gov. Those who do not have access to the Internet can call 1-800-MEDICARE (1-800-633-4227). TTY users can call 1877-486-2048.

If you are on Medicare and your medications are currently paid for by Medicaid, they will no longer be paid for by Medicaid starting January 1, 2006. Dual eligibles will have a plan randomly chosen for them to make sure that they have Part D in place on time and their treatment...

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