Make a complete medication list
Use exact drug names, dosages, quantities, and refill frequency. Small details can materially change plan comparisons.
Medicare prescription coverage
Part D Should Be Compared Around Your Actual Prescriptions.
The drug plan with the lowest premium is not always the plan with the lowest total cost. Formularies, tiers, pharmacies, deductibles, and utilization rules all matter.
What we’ll sort out
- Each prescription’s formulary status and tier
- Preferred and standard pharmacy pricing
- Deductibles, copays, and coinsurance
- Prior authorization and step therapy rules
Include your pharmacies
The same plan may price prescriptions differently at preferred, standard, retail, and mail order pharmacies.
Review every year
Plan formularies, premiums, and pharmacy contracts can change. Recheck coverage during the Annual Enrollment Period.
One-on-one Medicare guidance