- Joined
- Apr 24, 2005
- Messages
- 47,529
- Likes
- 33,559
The problem is you don't know what RXs you will need in the future, and the 1%/month is put in there to prevent people from waiting until they will actually benefit from Part D to sign up for it. Same principle as not selling insurance on a burning house, or having a waiting period before flood insurance becomes effective after purchase.