Your path to affordable, reliable medication coverage

Cover your pharmacy visits with Medicare Part D Prescription Drug Plans

Original Medicare doesn’t cover most outpatient prescription drugs — and for many people, that creates an expensive gap in care. Medicare Part D helps you manage your medication costs, ensuring you have access to the prescriptions you rely on without breaking the bank.

Whether you take a few generics or need specialty medications, a Part D plan can make a major difference in your monthly expenses and your long-term health.

A pink dragonfly with a long tail on a white background.

Your Monthly Premium

Varies by provider and coverage

A pink dragonfly with a long tail on a white background.

Annual Deductible

Many plans have low or $0 deductibles

A pink dragonfly with a long tail on a white background.

Copays and Coinsurance

Based on the drug tier and pharmacy used

A pink dragonfly with a long tail on a white background.

Catastrophic Coverage

Kicks in after out-of-pocket threshold is met

What Does Medicare Part D Cover?

Part D plans cover a range of prescription drugs — from generics to brand-name medications — across treatment categories like:


  • Blood pressure and heart medications


  • Diabetes and insulin therapies


  • Antidepressants and anxiety medications


  • Asthma and COPD inhalers


  • Cancer treatment drugs


  • And much more


Each plan has its own formulary (list of covered drugs), which is grouped into tiers based on cost. We'll help you choose a plan that aligns with your current prescriptions and budget.

FAQs

  • Do I need Part D if I’m not taking any prescriptions right now?


    Yes — if you don’t enroll when first eligible and go without coverage, you may face a late enrollment penalty. It's usually best to choose a low-cost plan now to avoid penalties later.

  • Can I change my plan if my prescriptions change?


    Yes — you can switch plans during the Annual Enrollment Period (Oct 15–Dec 7) or during a Special Enrollment Period if you qualify.

  • What’s the donut hole?


    The “coverage gap” or donut hole is a phase in most Part D plans where your costs temporarily increase after you reach a certain limit. We help you pick plans that minimize this impact.

  • Does Part D work with Medigap or Advantage?


    Part D can be paired with Medigap plans (since Medigap doesn’t include drug coverage). If you have a Medicare Advantage plan, your prescription coverage is typically included in the plan.

Book Your Free Medicare Review

Let’s Review Your Medications Together

We'll walk through your current prescriptions, double-check local pharmacy pricing, and find the plan that gives you the most value and least hassle.