Prescription Drug Plans
We are the Medicare Part D prescription experts. Please allow us to help you find the best Part D plan for your needs.
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Medicare Part D, or the Medicare prescription drug benefit, is the part of Medicare which helps to subsidize the costs of prescription drugs and prescription drug insurance premiums.
Most states have dozens of different companies offering dozens of different plans. We will find you the best value plan based on your specific list of medications.
SOME THINGS TO NOTE ABOUT PART D
Shop plans based on medications
Make sure you shop plans based on your specific medications and dosages. Many people make the mistake of choosing the lowest premium plan only to discover it has very high co-pays for their medicines.
Open Enrollment
Open enrollment for Part D plans is between October 15th and December 7th of every year. This is the time of year you are allowed to shop for, compare, and register for new plans.
Using a preferred pharmacy
Specify if you have a pharmacy at which you like to fill your medications, as many plans coordinate with various pharmacies for added discounts, and some plans integrate better with different pharmacies. If you are open to filling at any nearby pharmacy, than you are more likely to get the best value. Being open to filling via mail order for 90 days at a time can also be a good choice.
Donut hole
The donut hole ends when you reach the catastrophic coverage limit for the year. In 2020, the donut hole will end when you and your plan reach $6,350 out of pocket in one calendar year. That limit is not just what you have spent but also includes the amount of any discounts you received in the donut hole. Lastly, do not be afraid... we shall explain and guide you!