Prescription Drug Plans (Part D)
Medicare Part D helps cover the cost of prescription medications. These standalone drug plans work with Original Medicare and are also included in many Medicare Advantage plans.
Affordable Coverage for the Medications You Need
Prescription drugs can be one of the biggest out-of-pocket expenses in retirement. Medicare Part D plans are designed to help you afford your medications by covering a portion of the costs for brand-name and generic drugs.
We’ll walk you through how drug plans work, help you compare options in your area, and make sure the plan you choose covers the prescriptions you take now—and the ones you may need in the future.
Why Enroll in Part D?
Customized Drug Coverage
Plans vary widely in which medications they cover. We help you find one that matches your current prescriptions.
Avoid Penalties
If you delay Part D enrollment, you may pay a late enrollment penalty. We’ll help you avoid unnecessary costs.
Yearly Plan Reviews
Drug plans can change each year. We offer annual reviews to ensure your coverage still meets your needs.
Frequently Asked Questions
Is Part D included with Original Medicare?
No, you need to enroll separately in a standalone Part D plan unless you join a Medicare Advantage plan that includes drug coverage.
How do I know which drugs are covered?
Each plan has a formulary (drug list). We’ll help you review it and check how your medications are classified.
What are the different Part D costs?
You may have a monthly premium, annual deductible, copays or coinsurance, and coverage gaps. We’ll help you understand each cost.
Can I change my drug plan later?
Yes. You can switch plans during the Annual Enrollment Period (October 15 – December 7) or under certain special conditions.
What if I don’t take any medications right now?
You may still want to enroll in a low-cost plan to avoid penalties and ensure future access when needed.
Medicare Help
Make Sure Your Medications Are Covered
Choosing the right Part D plan can protect your health and your wallet. We help clients across Richmond, Centerville, Cambridge City, and Connersville compare prescription drug coverage based on real-world needs—not guesswork.