Find Medicare Part D Coverage

Why should I compare Medicare Part D plans before applying?

Part D helps provide control over prescription drug healthcare. Comparing Part D plans is essential, and should be considered a major purchase, like a car or a house. Comparison shopping can save you money, because it can help you make an informed decision and select a plan that is cost-efficient based on your specific needs.

Not all Part D plans are alike. Many Part D plans structure their benefits differently than the minimum standard established by Medicare. Therefore it can be difficult to determine the plan that will best meet your needs - and it can be difficult to see what your actual costs will be with any given plan.

Because of the differences between plans, the cost can vary greatly depending on the plan you choose, even for the same drugs. In the same city, there can be a difference of thousands of dollars for the same drugs within the most affordable and most expensive plans.

Our free, easy to use Medicare Part D plan comparison tool helps you see associated costs for plans clearly, and allows you to compare plans side by side. By educating yourself about your options, you can make an informed decision and select a plan that best meets your needs. An informed decision can save you a significant amount of money on prescription drug-related healthcare.

Why should I switch Medicare Part D plans?

Plans and medications can change from year to year. You may have been surprised by your out-of-pocket costs, or maybe you experienced a gap in coverage. Even if you're satisfied with your current plan, premiums, co-pays, and other associated costs might be much higher this year. In fact, it's certain that Medicare beneficiaries who do not switch plans can expect a significant increase in their premiums.

Part D can provide control of your prescription drug-related healthcare, but in order to stay fully informed, it is important to educate yourself about any changes in your plan from year to year. That way, if your plan changes in ways that are not acceptable to you, you can switch to a plan that better meets your needs.

Additionally, if you are in a plan but are not sure if it is fully meeting your needs, it is important to understand your other options. Educating yourself about your current plan and learning about other available plans allows you to decide whether to keep your current plan or switch to another. The majority of Medicare beneficiaries save money by switching to a different plan, so it is worth taking the time to explore all your options.

Is there a penalty for switching plans?

There is no penalty for switching; however, you can only switch during the open enrollment period.

How much time will it take to learn about other plans?

Our free Medicare Part D plan comparison tool makes it very easy for you to find the plan that's right for you.

We'll take you through a simple 3 step process:

Step 1: Enter your zip code and create an online medicine cabinet with your current medications. You can save your information and return to our comparison tool at a later time. To do so, you will need to register by clicking on the Register button on each page.

Step 2: View participating plans* in your area in the order of lowest estimated annual cost. You can also view side by side comparisons of the plans you are most interested in, which display detailed cost information such as your premium, deductible, and the drugs and co-pays that are covered by each plan.

* Participating plans are plans that have provided us with pricing information, so we can estimate their cost to you and provide other information. There are also non-participating plans available to you. You can see a list of those as well, but we cannot provide further information about them at this time. More information for these plans can be found at Medicare.gov. We are continuously working to add plan participants.

Step 3: Select the plan you want and apply online by completing our secure, simple online form. You will need to provide information about your Medicare eligibility and current health insurance, so you may want to have these items handy before you begin the application. If you do not have these items, you can always save your application or your medicine cabinet information and return to it at a later time. To do so you'll need to register by clicking the Register button on each page.

Try Our Medicare Part D Doughnut Hole Calculator

What are the top things I should consider when looking for a new Part D plan?

• Costs - Our Medicare Part D plan comparison tool helps you compare out of pocket costs such as premiums, co-payment/co-insurance and deductible expenses. Based on the drugs you placed in your medicine cabinet, we also help you compare estimated total annual costs.


• Preferred Doctors, Hospitals and Pharmacies - If you're considering a Part D plan that's included in a Medicare Advantage Plan (MAPD), you should confirm that you're able to visit the providers you want and be aware of the additional costs if the provider is out of network or referrals are needed. You should also confirm that your preferred providers are accepting new patients (if applicable).


• Travel - If you're considering a Part D plan that's included in a Medicare Advantage Plan (MAPD) and you spend some of your time in another state each year, you should confirm that your plan provides coverage in that state.

What drugs are not covered?

The Centers for Medicare and Medicaid (CMS) has established a small list of drugs that it does not require the plans to cover. These drugs are also known as excluded drugs. Even though CMS does not require plans to cover these types of drugs, some plans may decide to include them as an added benefit to their consumers. Our Medicare Part D plan comparison tool will help you know which drugs are covered by a plan.

The following categories of drugs are not required to be covered:

• Barbiturates (seizure drugs)
• Benzodiazepines (anxiety drugs)
• Weight loss or weight gain
• Fertility
• Cosmetic (e.g., hair growth)
• Cough and cold
• Over The Counter (OTC) Smoking Cessation (prescription smoking cessation drugs are covered)

Medicare Part D Explained:

• What is Medicare?
• What is Medicare Part D?
• Should I enroll in Medicare Part D?
• Why should I compare or switch Medicare Part D plans?
• Is it safe to apply for Medicare Part D online?
• When can I apply or switch Medicare Part D plans?
• Medicare costs and coverage
• Medicare Part D caregivers support
• Employer / Group Retiree Medicare Part D coverage