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Prescription drug coverage for Medicare beneficiaries. We cross-reference your medication list against available plans to find your lowest total cost.
Back to all servicesMedicare Part D is the prescription drug benefit added to Medicare in 2006. It's provided through private insurance companies approved by Medicare and is available as either a standalone Prescription Drug Plan (PDP) — added onto Original Medicare — or bundled into a Medicare Advantage plan (MAPD).
If you have Original Medicare with a Medigap plan, you'll need a standalone Part D plan for drug coverage. If you have Medicare Advantage, drug coverage is usually already included.
Late enrollment penalty: If you go without creditable drug coverage for 63 or more consecutive days after becoming eligible, you may owe a permanent late enrollment penalty added to your monthly premium. Don't wait — we'll make sure you're enrolled on time.
Understanding the structure helps you see why comparing plans — not just picking the cheapest premium — matters.
Each Part D plan has its own drug list (formulary) with different coverage tiers. A drug covered at Tier 1 on one plan may be Tier 3 on another — meaning dramatically different costs at the pharmacy.
Part D plans charge a monthly premium plus copays or coinsurance at the pharmacy. The lowest-premium plan is rarely the lowest total cost — that depends on your specific medications.
After you and your plan spend a certain amount on drugs, you enter a coverage gap phase. Costs during this phase depend on your plan and whether your drugs are brand or generic.
Once your out-of-pocket drug costs reach the catastrophic threshold for the year, your copays drop significantly for the rest of the calendar year.
We enter your medications into a plan comparison tool and find the Part D plan with the lowest total annual cost — not just the lowest premium.
Part D formularies change annually. A plan that was perfect last year may no longer cover your drugs at the same tier. We review your plan every fall before the enrollment deadline.
Our services are free. We're compensated by the insurance carriers, not by you. There's no reason to shop Part D alone.
Part D plans can be changed once per year during the Annual Enrollment Period. New coverage takes effect January 1. This is the window we use to shop your drug list against available plans and make sure you're on the best option for the coming year. If you're not sure whether your current plan is still competitive, reach out before October — we'll review it for free.
Send us your medication list and we'll run a full comparison of available Part D plans in your area.