Dedier, I hooked up to AARP's Medicare Rx Plan when I turned 65 in Jan.of this year. It is saving me money [but that will depend on what drugs your Mom is taking.] If it will save you time, you can send me her list of prescriptions and I will look them up in the AARP formulary and tell you what they will cost her. Then you can plug in the premium and see if it is worth it. [and you will have aarp to compare to another ins. co. Amy