Medicare ParT D
Affordable Prescription
Drug Coverage
Helping You Save on Your Medications
What Does Medicare Part D Cover?
Medicare Part D offers coverage for prescription medications, helping reduce out-of-pocket costs for essential drugs. These plans are available through private insurers and are designed to complement Original Medicare or a Medicare Supplement plan.

We'll guide you through plan comparisons to ensure you find one that fits both your health needs and budget.
What's Typically Covered
Part D plans cover a wide range of prescription drugs, organized into different "tiers" with varying copays and costs.
Common Add-Ons
Many people pair Part D with Original Medicare or a Medicare Supplement plan for more complete coverage.
Who Typically Uses This Coverage
Anyone on Medicare who takes regular prescriptions benefits from Part D coverage to avoid high pharmacy costs.
Frequently Asked Questions About Medicare Part D
Understanding formularies, tiers, and coverage gaps can be tricky. Here are answers to the most common Part D questions.
Your Questions About Prescription Drug Coverage-Answered
Is Medicare Part D required?
It's optional, but without coverage, you could face late-enrollment penalties and pay more for medications.
What's the "donut hole" or coverage gap?
This is a temporary limit on what your drug plan pays for medications. We can help you find plans with lower out-of-pocket costs.
How do I know if my medications are covered?
Each plan has a formulary (drug list). We'll review your prescriptions to match you with the best plan.
Can I change my Part D plan?
Yes, during the Annual Enrollment Period (Oct 15 - Dec 7) or under certain Special Enrollment Periods.
What happens if I don't take any medications?
You can choose a lower-cost Part D plan to avoid penalties and have coverage for future prescriptions.