Answer:
In general, Mr Torres must select a single Part D premium payment mechanism that will be used throughout the year.
Explanation:
Given the situation above, the best advice to give Mr. Torres, is that, all things being equal, it is imperative generally, that he must select a single Part D premium payment mechanism that will be used throughout the year.
This is because, it will be a lot easier, with less stress of constant monitoring his savings account and often time, it is more beneficial to use.