The right drug plan starts with your actual list.
Part D plans cover prescriptions, but each one has its own drug list, tiers, and pharmacy network. Send us your medications and our licensed agents will compare the Part D plans we represent for what you'd actually pay over the year.
- Is each drug on the plan's list?Formulary
- What tier is it on?Tier 1–5
- Any prior authorization or step therapy?Rules
- Is your pharmacy preferred?Network
- Total yearly cost: premium + deductible + copaysThe real number
Illustration of our review process, not a real plan.
Where your drug costs come from
Most Part D plans have the same building blocks. Amounts are set by each plan and by Medicare each year, so we check the current numbers for you.
Monthly premium
What you pay each month for the plan. Some people with higher incomes pay an extra amount set by Medicare.
Deductible
Some plans have a deductible you pay before coverage starts on certain tiers. Some have none.
Copays & coinsurance
Your share each time you fill a prescription, depending on the drug's tier and your pharmacy.
Yearly out-of-pocket limit
Medicare sets an annual cap on what you pay for covered drugs.
Part D in plain English
The plan's list of covered drugs. It can change from year to year.
Drug groups with different costs. Lower tiers (often generics) usually cost less.
A pharmacy in the plan's network where you may pay less than at other pharmacies.
The plan has to approve a drug before it will cover it.
You may need to try a lower-cost drug first before the plan covers another one.
Many plans let you get a 90-day supply by mail, sometimes at a lower cost.
The Part D late enrollment penalty
If you go without Part D or other creditable drug coverage (coverage at least as good as Medicare's) for a continuous period of 63 days or more after your Initial Enrollment Period ends, you may pay a late enrollment penalty added to your premium for as long as you have Part D.
Even if you take few or no medications today, it's worth talking through whether a plan makes sense for you.
Send us your medication list
List your prescriptions, doses, and pharmacy. A licensed agent will compare the Part D plans we represent and call you to walk through the results.
- Every drug checked against each plan's list
- Yearly cost estimate, not just the premium
- Ask us to re-check every fall: drug lists change each year
Part D questions
Do I need Part D if I don't take any medications?
You're not required to have it, but if you don't have other creditable drug coverage and enroll later, you may pay a late enrollment penalty. We can talk through your situation.
Can I change my Part D plan?
Yes, during Annual Enrollment (Oct 15 – Dec 7) for coverage starting January 1, and at other times if you qualify for a Special Enrollment Period.
Do Medicare Advantage plans include drug coverage?
Many do. If you have a Medicare Advantage plan with drug coverage, you generally don't buy a separate Part D plan.
Is there help paying for Part D?
Yes. People with limited income and resources may qualify for Extra Help from Medicare. We can point you to how to apply.
Why did my drug costs change in January?
Plans can change premiums, deductibles, drug lists, and tiers each year. That's why a fall review matters.
Ready to compare Part D plans on your own?
Let's check your prescriptions before you choose.
A free 15-minute call with a licensed agent on our team.