Medicare Supplement (Medigap)
Standardized policies like Plan G and Plan N that pay what Original Medicare leaves behind.
Part D drug plans matched to your prescriptions
The cheapest premium is rarely the cheapest year. We price your actual medications at your actual pharmacy before you choose.
Overview
What Part D prescription drug plans means for you
Part D plans are sold by private insurers and cover outpatient prescription drugs. Each plan has its own formulary (the list of covered drugs), its own tiers, and its own network of preferred pharmacies.
Since 2025, yearly out-of-pocket spending on covered Part D drugs is capped, and the Medicare Prescription Payment Plan lets you spread those costs across monthly bills instead of paying a large amount at the counter in January.
Even if you take no medications today, enrolling in a low-cost plan when you are first eligible avoids a lifelong late enrollment penalty. We review drug plans every fall because formularies and pharmacy pricing change each year.
Figures are illustrative. Plans, premiums and formularies change every January. We do not offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE for all of your options.
What is included
The coverage that matters most, in plain language. Details vary by plan.
- Coverage for drugs on the plan's formulary
- Tiered copays or coinsurance by drug type
- Preferred pharmacy pricing at local chains and independents
- Mail-order options for 90-day supplies
- A yearly cap on out-of-pocket drug costs
- Most vaccines, including shingles, at no cost
- Insulin at no more than $35 per month's supply
- Access to the Medicare Prescription Payment Plan
How we help you decide
Our process for part d prescription drug plans, start to finish.
Gather your medication list
Name, strength and how often. We can read it right off your bottles during a visit.
Price at your pharmacy
We compare total yearly cost at the pharmacy you actually use, such as Kroger on Victory Drive or your local independent.
Check restrictions
Prior authorization, step therapy and quantity limits can matter more than the copay.
Enroll and set a fall reminder
We note your plan and call you each October when new formularies publish.
Why people choose it
Yearly cost cap
Covered drug spending stops at the annual limit.
Avoid the penalty
Enrolling on time prevents a permanent premium surcharge.
Smoother monthly costs
Spread expensive fills across the year with the payment plan.
Costs and factors
Figures are illustrative. Plans, premiums and formularies change every January.
- Plan premium
- $0 - $98
- Monthly, sample range in Georgia
- Deductible
- Up to $615
- Standard maximum (sample 2026 figure)
- Out-of-pocket cap
- $2,100
- Yearly on covered drugs (sample 2026 figure)
- Insulin
- Up to $35
- Per month's supply
Part D prescription drug plans questions
Still wondering about something? A licensed advisor can answer in plain English, usually the same day.
Consider a low-premium plan anyway. The late enrollment penalty adds 1 percent of the national base premium for every month you went without creditable coverage, for as long as you have Part D.
Yes, every year during the Annual Enrollment Period from October 15 to December 7, and in some special situations.
Your doctor can request an exception, or we can look for a plan that covers it. We check before you enroll.
Yes. People with limited income and resources may qualify for Extra Help with premiums and copays. We can help you apply.
Related coverage
Original Medicare
Part A hospital and Part B medical insurance run by the federal government.
Special Needs Plans
Advantage plans designed for people with Medicaid, chronic conditions or facility care.
