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WASHINGTON — Most people, particularly senior citizens, say they are having a hard time understanding the new Medi-care prescription drug program, an AP-Ipsos poll found.

The drug benefit requires people to choose from among dozens of competing private insurance plans. Along with senior citizens, those most likely to acknowledge difficulties live in rural areas or are college graduates.

"I pretty much completed a master's degree in psychology and I can't understand it," said Raymond Lloyd, a Republican-leaning retiree from Silt, Colo. "For the elderly who don't have their full faculties and the poor people who are not well educated, God help 'em."

More than half, 52 percent, say they think the program that began enrolling people on Jan. 1 is tough to understand.

Two-thirds of older people surveyed and two-thirds of those who signed up say they are confused by the program, which is to help save more on their prescription drugs.

A third said they had not decided what they think of the new program and 16 percent said they have little trouble figuring out the program.

One who finds it easy to understand is Kathy Herndon of Savannah, Ga., who has worked for three decades in a dentist's office.

"I'm sure it would be confusing unless you're used to dealing with it," she said.