I could get better at understanding it and really should since we're an IMO (but I don't push Part D), but in all honesty, I think Part D is just a scam between the Gov't and the Drug companies despite what they would like for you to believe. Part D is voluntary? MY ASS! How is is voluntary when you'll be charged a penalty if you don't take it when they say you are supposed to. Even if you don't take any drugs at the moment they still want your money.
WHO says Part D is voluntary??? That's total crap