Medicare Prescription Drug Plans (Part D)

An elderly couple is sitting on a couch looking at a bottle of pills.

Medicare Part D helps cover the costs of your prescription medications. Since drug costs can vary widely, choosing the right Part D plan is essential to keeping your medications affordable. Medicare Part D is available in two ways:

Understanding Medicare Part D Drug Coverage

  1. Enrolling in a Medicare Advantage Plan (Part C), or
  2. Enrolling in a stand-alone Medicare Prescription Drug Plan that works alongside your Original Medicare benefits (Part A and Part B). With this option, most clients also have a Supplement (Medigap) plan to fill the “gaps” left open by Original Medicare.
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How We Help You Choose a Part D Plan

Finding the right drug coverage isn’t just about the premium—it’s about total cost and coverage.


  • Review your current medications and dosages
  • Compare plans that cover your prescriptions affordably
  • Confirm which pharmacies are in-network for each plan
  • Explain the Inflation Reduction Act and how it affects your costs
  • Help you enroll during the correct Medicare timeline
An elderly couple is looking at a box of pills in a pharmacy.

What to Know About Part D Drug Plans

Part D coverage comes with unique features and timelines to keep in mind:

  • Each plan has its own formulary, or list of covered medications. These formularies specify the tier level of each covered drug, from preferred generic (least expensive), to brand, to specialty (most expensive). These formularies are all different from carrier to carrier and can be very confusing, causing many people to enroll in the wrong plan resulting in dramatically overpaying for their medications.
  • Can require a monthly premium with subsequent copays when filling your medications at the pharmacy or via mail-order
  • There are dozens of plan options based on zip code, all with varying deductibles and copays. Each plan classifies generic and brand name meds differently; the wrong drug plan can cost you thousands.
  • The Inflation Reduction Act took effect in 2025 and resulted in many carriers making formulary adjustments, so it's never been more important to have the right coverage.

Let’s review your medications and make a plan

Find the right drug coverage for your needs