Medicare Prescription Plans
Find a Medicare Part D Plan That Actually Works for You
Sorting through prescription drug plans shouldn’t feel like decoding a puzzle. We’re here to help you understand your options, compare plans side by side, and find coverage that works with your medications, pharmacy, and budget. Whether you're enrolling for the first time or reviewing your plan during open enrollment, we’ll guide you through every step — without the confusion.
What is Medicare Part D?
Medicare Prescription Drug Plan helps to lower the cost of most generic and many commonly used brand name prescription drugs.
You may enroll in stand-alone Prescription Drug Plan (PDP), which are run by private insurance companies that have been approved by Medicare. Alternatively, you may enroll into the Advantage plan that normally includes PDP. All Prescription Drug Plans must have at least a standard level of coverage set by Medicare, but each plan can vary in cost to you and the drugs covered.
What We Cover
From Daily Prescriptions to Specialized Medications, your Part D plan can help cover:
- Common generic drugs (like blood pressure or cholesterol meds)
- Widely used brand-name medications
- Specialty drugs needed for chronic conditions
- Vaccines like shingles and flu shots
We’ll help make sure your specific prescriptions — and pharmacy — are covered at the best possible price.
How We Help
Here’s how we walk through the process with you:
- We start with a full list of your medications.
- We check your preferred pharmacy to see what’s in-network.
- We compare real-world costs — not just premiums, but total yearly expenses.
- We answer all your questions so you feel informed, not overwhelmed.
- We help you enroll — no guesswork, no confusing websites.
And if your medications change later? We’re still here to help you re-evaluate your plan during open enrollment or whenever you’re eligible.
Frequently Asked Questions
We hear these questions all the time — and we’re always happy to talk through the answers. Here are a few of the most common concerns we help clients navigate every day.
Do I really need a Part D plan if I don’t take any medications?
Yes — even if you aren’t currently taking prescriptions, enrolling in a low-cost Part D plan can help you avoid late enrollment penalties and give you peace of mind in case your needs change.
What’s the difference between a stand-alone Part D plan and drug coverage in a Medicare Advantage Plan?
A stand-alone Part D plan is just for prescription coverage and works alongside Original Medicare. Medicare Advantage Plans (MAPDs) often include drug coverage bundled with hospital and medical benefits. We’ll help you compare both to see what makes the most sense for you.
How much does Medicare Part D cost?
It depends on your income, the plan you choose, and your prescriptions. You’ll have a monthly premium, and possibly deductibles, co-pays, or coinsurance. We look at your total yearly costs — not just the premium — so you don’t get stuck with surprises.
Can I switch my Part D plan later if I find something better?
Yes! You can change plans during the Annual Enrollment Period (October 15 – December 7) or if you qualify for a Special Enrollment Period (like moving or losing other coverage). We’ll remind you when it’s time to review your plan.
Does Part D cover all medications?
Every plan has its own formulary (a list of covered drugs), which is divided into tiers. Some medications may require prior authorization or have different costs depending on the tier. We’ll check your exact prescriptions against current plans to find the best fit.