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I am just glad that I live in a PPO rich area and do not have to worry about the PFFS plans.
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I had met with a little old lady who's part D plan went up $ 5.00 a month. She wanted to see if she could qualify for financial assistance but wasn't sure how much money she made each year. She brought me her tax forms so we could check her yearly income to see if she qualified. According to her tax forms she had paid in over $ 180,000 in taxes that year just on the intrest on her CD's. Her neighbor later told me that the old lady was worth over $ 100,000,000.