Prescription medications can get expensive fast. If you’re on Original Medicare, you’ll need to add a Part D Prescription Drug Plan to avoid high out-of-pocket costs—and potential late penalties.
We help you find the right plan based on your actual prescriptions, preferred pharmacy, and budget.
💊 We help you pick the right plan.
✅ What Part D Covers
- Common brand-name and generic prescriptions
- Drugs administered at home (not in a hospital)
- Tiered pricing based on drug type and formulary
- Mail-order or retail pharmacy options
Each plan has its own list of covered medications (called a formulary), so choosing the right plan really matters.
🧭 How Part D Works
- You enroll in a standalone Part D plan if you’re on Original Medicare
- Plans have tiers (generic, preferred brand, non-preferred, specialty)
- You’ll pay a monthly premium, plus copays or coinsurance
- Plans can include:
- Deductible (some waive it for generics)
- Initial coverage
- Catastrophic protection
🚨 Avoid the Late Enrollment Penalty
If you don’t sign up for Part D when you’re first eligible—and you don’t have other creditable drug coverage—you may pay a permanent monthly penalty.
We help you avoid that.
🔍 Why Choosing the Right Plan Matters
Two people with the same ZIP code can have very different best-fit plans based on:
- Their current prescriptions
- Whether they prefer brand or generic
- Which pharmacy they use
- Whether they want mail-order discounts
We compare the plans for you so you get the most savings and convenience.
👥 How We Help
- Check your prescriptions against each plan’s formulary
- Identify tier changes, restrictions, and costs
- Compare pharmacies in your network
- Reassess your plan each year during Open Enrollment (Oct 15–Dec 7)
📞 Let’s Review Your Coverage
Choosing the wrong plan can cost you hundreds—or more.
Let’s find the one that works for you.
👉 Schedule a Free Medicare Review or call 904-295-8498.