In partial answer to Lee Levy's letter about Medicare Part D. Anyone living in New York should be sure to sign up for EPIC if they haven't already, it's a must & it's free. If you have Epic then you can delay signing up for Part D with no penalty. If you take no medications, then signing up for Part D doesn't seem to be necessary at this time. If the CBS plan covers drugs, then you may not have a penalty either. What does your Medical Insurer recommend? Be careful, if you sign up with some independent drug discount company, you could lose all of your primary insurance coverage. I have Preferred Care Gold & that is what I was told. They handle the Part D for my wife.