Products
A Part D plan should be built from your medication list, not a television ad.
Medicare Part D covers outpatient prescriptions. If you stay with Original Medicare and a supplement, you buy a stand-alone drug plan. Many Medicare Advantage plans include drug coverage instead. Either way, the plan has to cover what you take, at a pharmacy you will actually use.
How we compare drug plans
Bring every prescription, including the dose and how often you fill it. A plan can look inexpensive until one medication lands on a high tier or needs prior approval. We run your list against the formularies available in your ZIP code and show the estimated yearly cost, not just the premium.
Your pharmacy matters. Preferred pharmacies, mail order, and local independents are priced differently. Tell us where you want to fill.
Extra Help and other savings
Extra Help, also called the Low Income Subsidy, can lower Part D premiums, deductibles, and copays for people who qualify. Medicare Savings Programs through Oklahoma can help with Part B premiums. We will look at whether you should apply, and we will point you to the Oklahoma Medicare Assistance Program if you want a second, non-selling opinion.
Drug plans can change their formularies each year. Annual Enrollment, October 15 through December 7, is the usual time to move if your medications or prices shifted.
What we compare
- Is each medication covered, and at what tier?
- Does the plan prefer your pharmacy?
- What is the estimated cost for the year, including premium and copays?
- Are there prior authorization or step-therapy rules on anything you take?
- Do you qualify for Extra Help?
Common questions
Do I need a Part D plan if I do not take medications?
Many people still enroll in a low-premium Part D plan so they avoid a late enrollment penalty later, when they do need prescriptions. We will show you that tradeoff rather than guess for you.
Can I use a drug plan with Medicare Advantage?
If your Medicare Advantage plan already includes drug coverage, you generally cannot add a separate Part D plan. If you have a supplement, a stand-alone Part D plan is the usual match. We will sort out which situation you are in.
What if my drug is not covered?
We look for a plan that covers it, or we talk through alternatives your doctor would need to consider. We do not leave that as a surprise after you enroll.
We do not offer every plan available in your area. For the full list of options, contact Medicare.gov, 1-800-MEDICARE, or the Oklahoma Medicare Assistance Program at 1-800-763-2828. Calling us connects you with a licensed insurance agent.