Thank you!
I'll print them and put them in a notebook so I can include any notes and share them with interested clients. This is so complicated... I really would like to get to the bottom of it just for the people who come in here.
The Medicare site is indeed the authority, but Federal-style writing tends to confuse people. I can refer them, but they throw up their hands or look at me with a "that's it?" expression. It will require some predigestion.
I had heard of the Partnership for Prescription Assistance. The people who offer the seminars here don't talk about that, and I've been curious as to why. Quite possibly because they are not supposed to, as Office of the Aging employees, but I'll inquire.
Thanks again.