I realize that. But the potential payoff for seniors is so huge that we hope it will be a worthwhile investment for them.

Whenever you have confusion like this in the marketplace, it opens up opportunities for fraud. People will really have to make sure they're dealing with reputable entities.

We hope if we take care of our customers by giving them the best value in the marketplace, they will continue to come to us as a primary destination. We don't think they will be disappointed.

What those numbers do is cry out for public policy makers to take this challenge very seriously.

Many people are taking drugs that are highly advertised. They may ask doctors for them or the doctor may prescribe them without realizing the cost implications. Even for a person just switching one drug, they could save enough money to easily pay for the premium of their Part D plan.

Even when you are enrolled in Medicare Part D, it's really worth having that conversation with your doctor.