PART D
Your prescriptions.
A clearer picture.
Medicare Basics / Prescription Coverage
THE ESSENTIALS
Three things to know.
01
Two common ways to get it
Through a separate Part D plan with Original Medicare, or a Medicare Advantage plan that includes drug coverage.
02
Check the details
Each plan has a covered-drug list, pharmacy arrangements, and cost rules. These can change from year to year.
03
Costs have several pieces
Premiums, deductibles, and pharmacy costs all matter. Covered Part D drugs have an annual out-of-pocket limit; the amount can change each year.
MAKE IT PERSONAL
Here’s what we can
look at together.
A short guide can introduce the options. Your circumstances help us understand which details deserve a closer look.
QUESTIONS TO BRING
Are my medicines covered, at my current dosages?
Is my preferred pharmacy in the plan’s network?
What might my costs look like across the year?
GOOD TO KNOW
A few good questions.
What if I don’t take many medicines?
Timing still matters. Going without Part D or other creditable drug coverage can lead to a late enrollment penalty. Ask before deciding to wait.
Should I review my drug coverage each year?
It’s useful to check. Your prescriptions, pharmacy preferences, and the plan’s covered-drug list or costs may have changed.
For more detail: Current drug coverage costs on Medicare.gov ↗. Reviewed October 2026.