Original Medicare (Parts A and B) doesn’t cover most prescription drugs — and that’s where Part D comes in. Medicare Prescription Drug Plans help lower the cost of your medications and protect you from high out-of-pocket expenses.
These plans are offered by private insurance companies approved by Medicare and are designed to work alongside your existing coverage.
What’s Covered:
- Generic and brand-name medications
- Retail and mail-order pharmacy access
- Tiered formularies (coverage levels based on drug type)
- Catastrophic coverage for high-cost needs
Each plan has its own list of covered drugs (called a formulary), so it’s important to choose one that fits your unique prescription needs.
Who Needs Part D?
You should consider enrolling in a Prescription Drug Plan if:
- You’re on Original Medicare and take regular medications
- Your current Medicare Advantage plan doesn’t include drug coverage
- You want to avoid late enrollment penalties in the future
- You’re looking for predictable monthly drug costs
We’ll Help You Compare
Choosing the right Part D plan isn’t just about the premium. It’s about finding one that covers your medications, your pharmacy, and your budget.
Our licensed agents will walk you through it — no pressure, just honest help.
Call us at 801-471-5924 or click here to speak to a Medicare expert now.