Choosing a Medicare drug plan (Part D) is complicated. You need to consider the drugs you take, whether you need brand name medications or generic ones, and if your medications require any special approvals. Then, you need to review your plan options and determine what your total annual costs are likely to be:

• Lower-cost plans are ideal for people taking generic prescriptions or none. You will not pay much monthly and have coverage if you do need to suddenly fill prescriptions.
• Other plans have higher monthly premiums but may offer better or lower-cost coverage for expensive or brand-name medications.
• Some medications require prior approval annually on every plan, and others are not covered on any, because of Medicare rules.
• Starting in 2025, costs for covered prescription medications are limited each year ($2,000 in 2025, $2,100 in 2026, etc.).  So higher cost medications may not be covered on all lower-priced plans.

You should review your prescription drug plan annually as your needs (and the plans themselves) change. There is an annual Medicare open enrollment from Oct. 15 to Dec. 7 to allow people to change their Medicare Prescription Drug Plan for the next year.

Your choice of pharmacy can make a big difference. Additionally, you should check whether the prescription cost would be lower using www.Goodrx.com and other discount sites. They show price comparisons between pharmacies and offer coupons that can significantly cut your out-of-pocket costs.

We are not connected with or endorsed by the U.S. government or the federal Medicare program.  We do not offer every plan available in your area. Currently we represent seven organizations which offer 16 prescription drug plans and countless other products in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program to get information on all of your options. The purpose of this communication is the solicitation of insurance.