Prescription Drug Plans (Part D)
The Wrong Part D Plan Can Cost You Hundreds a Year.
I’ll match your exact medications to the right plan — so you’re not overpaying for coverage that doesn’t fit.
Why Choose a Prescription Drug Plan (Part D)
- Avoid a permanent penalty — missing your enrollment window triggers a late enrollment fee that gets added to your premium for life
- Your medications deserve the right coverage — every plan has its own drug list and pricing tiers, and the difference in what you pay out of pocket can be significant
- It’s more complex than it looks — formularies, pharmacy networks, and coverage tiers change every year, and what worked last year may not be your best option this year
THE BASICS
What is Part D?
Prescription Coverage Medicare Doesn’t Automatically Include
Original Medicare doesn’t cover most prescription drugs. Part D plans are offered by private insurers approved by Medicare and added on top of your existing coverage — or bundled into a Medicare Advantage plan.
Every Part D plan has its own list of covered drugs, preferred pharmacies, and pricing tiers. Two plans with the same premium can have very different costs once you factor in what you actually take.
Is it Right for you?
You Need a Part D Plan If…
- You take any prescription medications regularly
- You’re enrolled in Original Medicare (Part A and/or Part B)
- You don’t have drug coverage through an employer, union, or VA benefit
- You’re approaching 65 or a new Medicare enrollment window
Even if you don’t take many medications right now, enrolling when you’re first eligible protects you from the late enrollment penalty down the road. The cost of skipping it almost always outweighs the cost of having it.
The question isn’t really whether you need Part D — it’s which plan is right for what you take. That’s where I come in.
Frequently Asked Questions
Medicare Part D is prescription drug coverage offered by private insurance companies. You can get it as a stand-alone plan (often paired with a Medicare Supplement) or as part of a Medicare Advantage plan.
Plans can change their covered drug lists, pharmacy networks and costs each year. A plan that was right last year may cost you more now, so I review your prescriptions every fall.
Yes. If you go 63 days or more without creditable drug coverage after you’re first eligible, you may pay a late enrollment penalty for as long as you have Part D coverage.
Yes. Since 2025, Part D has an annual limit on out-of-pocket costs for covered drugs, and the amount is adjusted each year. I can walk you through what that means for your medications.
Related services: Medicare Supplement Plans · Medicare Advantage Plans
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PLEASE NOTE: This Consent to Contact Form is optional. Submitting this optional form does NOT obligate you to enroll in a plan, affect your current or future Medicare enrollment, or automatically enroll you in a plan. By completing this form, your information will be provided to Ellen Daniels, a licensed insurance agent. You may be contacted by Ellen Daniels who is a licensed and certified representative of Medicare Advantage organizations and/or stand-alone Prescription Drug Plans. Each of the organizations they represent has a Medicare contract. Not affiliated nor endorsed by Medicare or any government agency.