Prescription Drug Coverage · Part D

Keep Your Medication
Costs Under Control

Prescription drugs are one of the biggest healthcare expenses for seniors. Medicare Part D plans help make your medications affordable — often dramatically reducing what you pay at the pharmacy each month.

Find My Part D Plan

Or call (813) 454-0108

Medicare Part D prescription drug coverage

How It Works

The 4 Stages of Part D Coverage

Part D coverage works in stages throughout the year. Understanding these stages helps you plan and avoid unnecessary costs.

Stage 1

📋

Deductible

You pay 100% of your drug costs until you've met your annual deductible (up to $590 in 2025, though some plans have $0 deductibles for certain tiers).

Stage 2

🛡️

Initial Coverage

Your plan shares costs with you — you pay a copay or coinsurance for each drug, and your plan covers the rest. This stage lasts until your total drug costs reach $5,030.

Stage 3

⭐

Coverage Gap (Catastrophic)

Good news — the dreaded "donut hole" is effectively closed as of 2025. You pay no more than $2,000 in out-of-pocket drug costs for the full year thanks to the Inflation Reduction Act.

Stage 4

✅

Catastrophic Coverage

Once you hit your $2,000 out-of-pocket cap, you pay $0 for covered drugs for the rest of the calendar year.

Why It Matters

The Wrong Plan Can Cost You Thousands

Not all Part D plans cover the same drugs at the same prices. A drug that costs $15/month on one plan might cost $150/month on another. That's why comparing plans based on your specific medications is critical.

Formulary Matching

We check that your exact medications are covered at the lowest tier on your plan.

Preferred Pharmacy Network

Using a preferred pharmacy can cut your copays significantly — we make sure yours is in-network.

Annual Review

Formularies change every year. We review your plan each fall during Open Enrollment to ensure you're still getting the best deal.

Extra Help Program

If your income is limited, you may qualify for the Low Income Subsidy (LIS), which can dramatically reduce your drug costs. We help you apply.

Common Questions

Part D FAQ

Do I have to enroll in Part D?

Part D is optional, but if you don't enroll when first eligible and don't have creditable drug coverage elsewhere, you'll face a permanent late enrollment penalty (1% of the national base premium for every month you were without coverage).

When can I enroll or change my Part D plan?

You can enroll when you first become eligible for Medicare. After that, you can change plans once a year during the Annual Open Enrollment Period (Oct 15 – Dec 7). Plans take effect January 1.

What if my drug isn't on the plan's formulary?

You can ask your doctor to request an exception, request a formulary exception, or switch to a therapeutically equivalent drug. We can also help you find a plan that does cover your medication.

Can I use GoodRx with Part D?

You can use GoodRx, but you cannot use it together with Part D at the same time — you must choose one or the other per purchase. In many cases, Part D will be cheaper for brand-name drugs, especially once you've met your deductible.

Tell Us Your Medications — We'll Find the Best Plan

Our agents run a full drug-by-drug comparison across every Part D plan in your area. It takes about 10 minutes and costs you nothing.

Call (813) 454-0108

Keep Your MedicationCosts Under Control