If you’re hoping that Medicare Part D will cover all your prescription costs, here’s the honest answer:
Not usually.
But let me explain why — and how you can avoid surprises at the pharmacy.
What Medicare Part D Does (and Doesn’t) Cover
Medicare Part D is designed to help lower the cost of your prescription medications. It’s an important piece of the puzzle, but it doesn’t mean zero out-of-pocket costs.
Here’s what impacts what you’ll pay:
- What prescriptions you take
- What tier those prescriptions fall into — and that varies by plan
Every Part D plan has its own list of covered drugs (called a formulary), and those drugs are organized into “tiers.”
Each tier has a different copay or coinsurance amount — and the difference can be big.
Here’s Where It Gets Tricky
- A medication that’s Tier 1 (lowest cost) on one plan might be Tier 3 (higher cost) on another.
- Some plans might not cover your medication at all.
- Others might cover it, but require prior authorization or step therapy first.
This is why guessing — or just picking a plan based on the name or price — can lead to expensive surprises.
My Tip: Don’t Guess. Let’s Review Together.
During your free Medicare review, we can look at your current prescriptions together and compare plans that fit what you actually take. I’ll walk you through:
- Which plans cover your medications
- What tier they fall under
- What your estimated costs will be at the pharmacy
No pressure. No sales pitch. Just honest, personalized help.
Schedule your complimentary Medicare review.
Let’s make sure you’re covered — clearly, confidently, and completely.
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