Do I have to take Part D?

It's optional, but going without creditable drug coverage can trigger a lifelong late-enrollment penalty. We help you avoid that.

Why does the same drug cost different amounts?

Because each plan's formulary tiers and negotiated prices differ. We compare your exact medications across plans.

Yes, during the Annual Enrollment Period each fall. We review your drug list with you.

Medicare

Prescription Drug Plans

Medicare Part D is prescription drug coverage offered by private plans. You can get it as a stand-alone plan alongside Original Medicare, or built into a Medicare Advantage plan.

Get a Plan Review Call a Licensed Advisor(800) 555-0199

The key to Part D is the formulary — the list of drugs a plan covers and how it prices them. The same medication can cost very different amounts from one plan to the next.

How coverage is structured

Part D plans have a formulary organized into tiers, plus a deductible and copays. Reviewing your specific medications against each plan's formulary is the only way to find the lowest real cost.

Pharmacies matter

Plans have preferred pharmacy networks, and using a preferred pharmacy can lower your copays. We factor in where you fill prescriptions.

Reviewing every year

Formularies and pharmacy networks change annually, so the best plan last year may not be the best this year. An annual review can save real money.

Frequently asked

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How Medicare Works

Medicare Advantage

Medicare Supplement

Medicare Plan Review

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY: 1-877-486-2048), 24 hours a day/7 days a week, to get information on all of your options. Not connected with or endorsed by the United States government or the federal Medicare program.

Plan availability varies by area.