How Part D works
Part D plans are sold by private insurers approved by Medicare. Each plan has a list of covered drugs, called a formulary, organized into tiers: generics on lower tiers cost little, brand-name and specialty drugs on higher tiers cost more. The same medication can sit on a different tier in different plans, which is why the right plan depends on the exact medicines you take.
The late enrollment penalty
If you go without drug coverage for more than 63 days after becoming eligible, Medicare adds a permanent penalty to your premium when you do enroll. Even if you take no medications today, a low-cost plan can protect you from that penalty.
How we help
We take your list of medications and pharmacies and check what each would actually cost across the plans in your area for the year ahead. Ten minutes of checking often saves hundreds of dollars.