You’ve probably heard about the new prescription drug plan from Medicare for seniors. Three quarters of Medicare recipients do not go on the Internet at all, which only adds to the confusion and complexity of the plan. There is a monthly premium, an annual deductible, 75 percent coverage of drugs, followed by no coverage, followed by 95 percent coverage. Huh? Plus, each private insurer has its own “formulary,” meaning preferred medicines. The only way to figure out what you want to do is to spend a lot of time reading through the paperwork. If you’re not good on the Web, it’s also a good idea to enlist someone to help you. Clark hopes Congress will revisit the program and simplify it after the first year of confusion. But remember that YOU MUST MAKE A CHOICE or you lose out on the benefits. In the meantime, Clark suggests that you sign up for the cheapest plan now. When Congress simplifies the program, you’ll already be a participant.