Part D (Drug coverage) - MedicareQuotesNow.com

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Find The Prescription Drug Plan That's Right For You

Low-Cost Plans

Some drug plans have very low premiums. Find out if they are a good choice for you based on your prescriptions.

$0 Generic Drug Costs

$0 copay on Tier 1 generic drugs available through select plans when you fill the prescription at a preferred pharmacy

Coveage Gap Protection

Some plans will offer coverage in the donut-hole, we can check with those plans to make sure they cover your medications.

Part D Senior Savings Model

lower insulin cost

If you take insulin, you may be able to get Medicare drug coverage that offers savings on your insulin. You could pay no more than $35 for a month's supply.

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Frequently Asked Questions...

What is a Tier?

Many plans place drugs into different levels, called “tiers,” on their formularies. Drugs in each tier have a different cost. For example, a drug in a lower tier will generally cost you less than a drug in a higher tier.

What do Part D plans cover?

All plans must cover a wide range of prescription drugs that people with Medicare take, including most drugs in certain protected classes,” like drugs to treat cancer or HIV/AIDS. A plan’s list of covered drugs is called a “formulary,” and each plan has its own formulary.

Can I change plans?

You can change from one Part D plan to another during the Medicare open enrollment period, which runs from October 15 to December 7 each year.

What is Prior Authorization?

You and/or your prescriber must contact your plan before you can fill certain prescriptions. Your prescriber may need to show that the drug is medically necessary for the plan to cover it. Plans may also use prior authorization when they cover a drug for only certain medical conditions it is approved for,

Do I need part D?

Enrollment in Part D is generally voluntary, however, If you don't sign up when you are first eligible, and later decide you want to sign up, you'll be required to pay a penalty equal to 1% of the national average for every month you didn't have coverage.

Do I need to reenroll in part D every year?

No. Your Part D plan should automatically renew. Exceptions would be if Medicare does not renew the contract with your insurance company or the company no longer offers the plan. Formularies and tiers may change so it is advisable to compare plans every AEP (Oct. 15 - Dec 7)

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