Original Medicare does not cover most prescription drugs. That’s where Medicare Part D comes in. Questions? Call 1-888-781-6026.
What Is Medicare Part D?
Medicare Part D is the federal prescription drug coverage program for Medicare beneficiaries, offered through private insurers. You can get Part D as a standalone plan (paired with Original Medicare and Medigap) or bundled inside a Medicare Advantage plan.
How Much Does Part D Cost in 2025?
- Monthly premium: Averages $40-$60/month
- Annual deductible: Up to $590 in 2025
- Out-of-pocket cap: $2,000 in 2025 — a major new benefit from the Inflation Reduction Act
Drug Tiers
- Tier 1: Preferred generics (lowest cost)
- Tier 2: Non-preferred generics
- Tier 3: Preferred brand-name drugs
- Tier 4: Non-preferred brand drugs
- Tier 5: Specialty drugs (highest cost)
Late Enrollment Penalty
Miss your Part D enrollment window without creditable coverage and you’ll pay a permanent 1% penalty per month delayed. Enroll on time.
How to Choose the Right Part D Plan
- List all current medications with dosages
- Check each plan’s formulary
- Compare total annual costs
- Confirm your pharmacy is in-network
- Or call us and we’ll do it for free
Need help finding the best Part D plan? Call 1-888-781-6026.