My friend Jess turned 65 in January and signed up for Medicare A &B along with Supplement plan N but didn’t enroll in Part D prescription coverage. At the same time, she continued to pay her ACA insurance through Pennie. Then effective 6/30/22, the ACA plan company cancelled her saying she couldn’t have both it and Medicare. Do you think she can pursue getting a refund of her premiums that were paid January through June? I’m trying to convince her to get Part D through Medicare, but she’s reluctant since she uses GoodRx for the only generic medicine she takes. Does she really need a Part D plan? I tried to get her to call you, but she’s one who needs an extra push, and everything overwhelms her.