Medicare Part D Drug Plans


Start by downloading our worksheet below to make a complete list  of your Part D medications. 

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Next, use this helpful Part D plan search tool. Simply enter your zip code and county. On the next page click “Add Medications” (prescription drug name, format, dosage and frequency), click “View Plans” and then select “Medicare Part D plans” to compare. The results page will display which plans include all or most of your medications in the plan formulary along with the plan’s monthly premium, annual deductible and prescription costs. You can compare plans and download summary information for review. And then you choose and enroll online in the selected plan through this convenient tool. 

Items to coMPARE when selecting your Medicare Part D Prescription Drug plan:
Premium Your Part D premium is paid to a private company and is separate from Part B which is paid to Medicare.  [Note: If you are enrolled in Social Security Extra Help, the Part D premium may be partially or fully subsidized.)
Deductible Your Part D plan may include a deductible, the amount you pay before the plan benefits begin. The deductible can range from $0 to $500 and can apply to some or all medications. You will want to know the deductible amount and which, if any, of your medications are subject to deductible. [Note: If you are enrolled in Social Security Extra Help, the deductible may be partially or fully subsidized.)
Formulary Each Part D plan publishes a list of medications covered. Federal law requires plans to include at least two drugs from each class of drug category on their formulary – but not necessarily your medication.  We want to make sure your current prescribed medications are included.
Tier Levels Drug tiers are how prescription drugs are divided into different levels of cost; Tiers 1 and 2 are lower cost and Tier 3, 4 and 5 higher cost. The plan formulary will include the drug tier and may differ by dosage and form. Competing drug plans may include the same drug and dosage in their separate formularies however they could differ by tier designation. Double check this!
Cost After the deductible, if applicable, is met a 30 day supply of medication will include cost sharing. The plan document will state whether your share is a fixed dollar cost (co-pay) or a percentage (co-sharing.)
Pharmacy The drug copay costs, which differ by tier level, assume you are having your prescription filled at a preferred pharmacy, retail or mail order. It is true you can have your prescriptions filled at most pharmacies however using the preferred pharmacy usually lowers your copay amounts.

Q: “What About that new law that is supposed to lower prescription drug costs?”

A: Check out our blog post detailing how that law will affect Part D. And when. Click here for the article.

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