Medicare Part D
Medicare Part D — also known as Medicare Drug Coverage — helps pay for prescription drugs alongside Original Medicare or Medicare Advantage.
Talk to an AdvocateWhat Medicare Part D covers
Part D plans are sold by private insurers approved by Medicare. Each plan has a formulary — a list of covered drugs organized into tiers, where lower tiers mean lower cost-sharing. Premiums, deductibles, and copayments vary by plan. Because formularies and costs differ, the right Part D plan depends heavily on which medications you take and at what doses.
- Generic drugs: Lowest-tier drugs with the lowest copayments.
- Preferred brand drugs: Mid-tier brand drugs your plan has negotiated preferred pricing for.
- Non-preferred brand drugs: Brand drugs at standard (higher) cost-sharing.
- Specialty drugs: High-cost medications, typically with a coinsurance percentage rather than a flat copay.
- Vaccines: Most Part D plans cover shingles and other vaccines at no cost.
Who it is for
Anyone on Original Medicare who takes prescription drugs needs a Part D plan. Even if you currently take no medications, enrolling when you are first eligible avoids a late enrollment penalty that raises your premiums permanently. Your Advocate will match you to the plan with the lowest total cost for your specific drug list.
New to Part D? Read how drug coverage works.
Read the basicsCommon questions
Talk to an Advocate
Get personalized guidance on your coverage options, at no cost to you.
No cost. No pressure. Your information stays private.
Talk to an Advocate
Get personalized guidance on your coverage options, at no cost to you.
No cost. No pressure. Your information stays private.
Ready when you are.
No cost. No pressure. There is no obligation to enroll.One Advocate, for as long as you’re on Medicare.