text: i need help in making health insurance decisions.... let me explain:? my husband and i are both disabled. we both receive medicare parts a & b. husband took disability retirement 8 years ago from the va (federal government), and through them, we pay a monthly premium for aetna health insurance, which helps to cover my expensive prescriptions. we thought that aetna would pick up the leftover costs of whatever medicare did not cover. wrong. the aetna policy we have is not a medicare supplement plan; just a plain vanilla healthcare hmo. i've been trying to do some research, but it is driving me crazy trying to decipher what the federal government offers its disability-retirement employees versus what medicare offers, including its plan d for prescriptions. i've already used some of the online decision-making tools, but i'm still not getting a clear picture of what's out there and how we would save any $$.there are seminars all over the county put on by local bc/bs medicare advantage plans, but they are all trying to sell something.whom can i trust to help? if you have expensive medicines, you need to seriously consider enrolling in medicare part d coverage.  despite all the complexity, you need to get on a part d plan.  it is a true shame that lawmakers when passing first the discount drug cards and now the part d plans could not have simply made it easier for seniors and the disabled to understand.  unfortunately there is no one central, trusted and unobjective resource for making this easier.  the on-line tools you are using may be your best bet.