Prescription Drug Plans — Part D

The cheapest premium is rarely the cheapest plan.

Part D plans differ wildly in what they charge for the same medications. We run your exact drug list to find your lowest true annual cost — premium, deductible, and copays combined.

Senior couple talking through their coverage together at home

How it works

What Part D covers

Part D is Medicare's prescription drug benefit, delivered through private plans. If you're on Original Medicare (with or without a Medicare Supplement plan), you'll add a stand-alone Part D plan. Most Medicare Advantage plans build drug coverage in.

Formularies differ. Each plan has its own covered drug list and tier pricing.
Pharmacies matter. "Preferred" pharmacies can cut your copays significantly.
Costs are capped. Annual out-of-pocket drug costs are now capped by law, and payment can be spread across the year.
Plans change every year. A plan that was cheapest last year may not be this year — re-shopping each fall pays.

Avoid the late enrollment penalty

If you go 63+ days without creditable drug coverage after becoming eligible, Medicare adds a permanent monthly penalty when you do enroll. Even if you take no medications today, a low-premium Part D plan can protect you from that lifetime surcharge.

What we need for a quote

Your medication names and dosages
Your preferred pharmacy (or mail order)
Your ZIP code

That's it — ten minutes and we can show your true annual cost on every plan we represent.

Questions? Let's talk them through.

A free 30-minute review with a licensed insurance agent.

Call (555) 555-0142

By calling this number, you will be connected with a licensed insurance agent who may discuss Medicare Advantage, Medicare Supplement, and Prescription Drug Plan options.