Coverage Options
Medicare Part D Drug Plans
Medicare Part D plans help cover the cost of your prescription medications. With dozens of plans available, we'll compare them all to find the one that covers your specific drugs at the lowest cost.
Key Benefits
- Covers brand-name and generic prescription drugs
- Plans vary by formulary (list of covered drugs) and cost
- We compare all available plans using your specific medication list
- Helps avoid the Part D late enrollment penalty
- Can be added to Original Medicare or a Medigap plan
- Annual Enrollment Period allows you to switch plans each year
Frequently Asked Questions
Do I need Part D if I have Medicare Advantage?
Most Medicare Advantage plans already include Part D drug coverage (MAPD plans). If your Advantage plan includes drug coverage, you generally don't need a separate Part D plan.
What is the Part D late enrollment penalty?
If you don't enroll in Part D when you're first eligible and don't have other creditable drug coverage, you may pay a permanent late enrollment penalty added to your monthly premium.
How do I know which plan covers my medications?
Each Part D plan has a formulary — a list of covered drugs organized into tiers. We use your medication list to compare all available plans and find the one with the lowest total cost for your specific prescriptions.
Have Questions?
Our licensed agents are ready to walk you through your options — our guidance is completely free, no pressure.