Find the right Part D plan
Know what to look for before comparing plans — then use our tools to find coverage that matches your medications and budget.
Before you compare plans
Gather this information first — it'll make the comparison process much faster:
- Your medication list — drug names, dosages, and how often you take them
- Your preferred pharmacy — the pharmacy you currently use or would like to use
- Your ZIP code — plans vary by location
- Your Medicare number — for enrollment if you find a plan you like
What to evaluate in each plan
- Are your drugs covered? — Check the plan's formulary to confirm all your medications are listed
- What tier are your drugs on? — Lower tiers mean lower costs. The same drug can be on different tiers in different plans
- What's the total estimated cost? — Look beyond the premium. Calculate your likely annual cost including deductible, copays, and coinsurance for your specific drugs
- Is your pharmacy in the network? — Preferred pharmacies often have lower copays
- Are there restrictions? — Some plans require prior authorization, step therapy, or quantity limits on certain drugs
- What's the plan's star rating? — Higher-rated plans tend to offer better service and coverage
Don't just pick the cheapest premium
A plan with a $0 premium can cost you more overall if it has high copays for your specific medications. Always compare the total estimated annual cost — including premiums, deductible, and out-of-pocket costs for your drugs.
Ready to compare?
Use our plan comparison tool to find Part D plans available in your area, check your drug coverage, and compare costs side by side.
You can also visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227) for help with plan choices.
Prefer to talk to someone?
A licensed Local Medicare Agent can review your medications, compare plans for you, and help you enroll — all at no cost to you. They can also help you understand complex situations like transitioning from employer coverage or coordinating with Medicaid.