Be sure to visit and complete our Medicare Part D and Overall Plan Survey. Please take a few minutes to review your current information, make any needed updates, and enter your current prescription medications. Completing this survey helps us prepare for your Medicare plan review and identify any potential changes that may affect your coverage or costs. Please complete the survey on or before September 30. Waiting until December 6 may be too late to properly review your options and make changes before the Medicare Annual Enrollment Period deadline |
Visit Our Plan Review Page for Medicare Part D. Just Scan the QR code. It will take you to the Plan Review Page. Its a Medicare Approved document. |
Medicare Part D Plan Review
Your Medicare Part D prescription drug coverage should not be treated as a set-it-and-forget-it benefit.
Drug plans can change from year to year, and even small changes in premiums, deductibles, copays,
pharmacy networks, or formularies can have a major impact on what you pay. A yearly Part D review can
help you avoid unpleasant surprises and make sure your coverage still fits your prescriptions and budget.
Why Review Your Plan?
Many people do not review their Medicare Part D plan every year. As a result, they may stay in coverage
that no longer fits their prescription needs and end up paying more than necessary. A plan that worked
well last year may not work as well this year if the plan changes its list of covered drugs, moves
medications to a different tier, adjusts copays, changes its deductible, or modifies its preferred pharmacy
network.
Reviewing your Part D plan helps you stay informed about the real cost of your drug coverage. It also
helps you catch changes before they affect your budget. People often assume their prescriptions will be
covered the same way each year, but that is not always the case. Drug plans can and do change.
• Drug formularies can change.
• Monthly premiums, deductibles, copays, and coinsurance can change.
• Preferred pharmacy networks can change.
• Your medications may move to a different tier or require prior authorization.
• A different plan may offer better value for your current prescriptions.
What to Review
A complete Part D review should look at more than just the monthly premium. The goal is to review the
total picture of your prescription drug coverage so you understand how the plan works with the
medications you actually take.
• Current prescriptions: Make a complete list of the medications you take, including dosage and
frequency.
• Preferred pharmacy: Check whether your preferred pharmacy is still in-network and whether it is
considered a preferred pharmacy for lower cost-sharing.
• Monthly premium: Compare what you pay each month for the plan.
• Annual deductible: Review whether the deductible has changed and how that affects your
out-of-pocket costs.
• Copays and coinsurance: Look at what you pay for each medication and whether those amounts are
increasing.
• Prior authorization or quantity limits: Confirm whether any of your drugs now require additional
approval or have usage restrictions.
The best reviews usually begin with a simple prescription list or survey form. Gather your drugs, dosages,
preferred pharmacy, and any recent pharmacy receipts so the review is based on real information and not
guesswork.
How a Review Can Help
A Part D review can help you lower costs, reduce surprises, and improve confidence in your coverage for
the year ahead. When you compare your current plan to other available options, you may find a plan that
better matches your medications and your budget.
• Identify lower out-of-pocket drug costs.
• Confirm your drugs are still covered.
• Check whether another pharmacy could save you money.
• Avoid unexpected increases in copays or deductible exposure.
• Reduce the risk of discovering too late that a medication is no longer covered the way you expected.
In some cases, if your stand-alone Part D premium, deductible, or drug copays are too high, it may be
worth reviewing Medicare Advantage plans that include drug coverage (MAPD plans). Depending on the
plan and your prescriptions, an MAPD plan may offer lower drug cost-sharing or a lower deductible than
your current stand-alone Part D plan. Part of the reason some of these plans can be competitively priced
is the way Medicare subsidizes prescription drug coverage within Medicare Advantage plans. This does
not mean a Medicare Advantage plan is right for everyone, but it does mean it may be worth comparing if
your current Part D costs feel too high.
Best Time of Year to Review
The best time of year to review your Medicare Part D coverage is during the Medicare Annual Enrollment
Period (AEP), which runs from October 15 through December 7 each year. This is the main time when
people with Medicare can review, change, or switch their drug coverage for the following year. Changes
made during this period generally take effect on January 1, as long as the plan receives the enrollment
request by December 7.
Too many people do not review their Part D plan during AEP and only realize after December 7 that their
copays are too high, their deductible increased, or a medication is no longer covered the way they
expected. For most beneficiaries, once December 7 has passed, they generally cannot make a change for
January 1 coverage unless they qualify for a Special Enrollment Period. That is why reviewing your
coverage before the deadline is so important.
If you take several medications, have recently changed prescriptions, or noticed increasing costs at the
pharmacy, do not wait until the new year to find out what changed. Reviewing your drug plan during AEP
can help you make a smarter choice before CMS closes the window for most year-ahead changes
Gather your drug list, preferred pharmacy, and current plan information, then schedule a Medicare Part D
Plan Review.
A few minutes spent reviewing your coverage now may help you avoid higher drug costs
and surprises later
Your Medicare Part D prescription drug coverage should not be treated as a set-it-and-forget-it benefit.
Drug plans can change from year to year, and even small changes in premiums, deductibles, copays,
pharmacy networks, or formularies can have a major impact on what you pay. A yearly Part D review can
help you avoid unpleasant surprises and make sure your coverage still fits your prescriptions and budget.
Why Review Your Plan?
Many people do not review their Medicare Part D plan every year. As a result, they may stay in coverage
that no longer fits their prescription needs and end up paying more than necessary. A plan that worked
well last year may not work as well this year if the plan changes its list of covered drugs, moves
medications to a different tier, adjusts copays, changes its deductible, or modifies its preferred pharmacy
network.
Reviewing your Part D plan helps you stay informed about the real cost of your drug coverage. It also
helps you catch changes before they affect your budget. People often assume their prescriptions will be
covered the same way each year, but that is not always the case. Drug plans can and do change.
• Drug formularies can change.
• Monthly premiums, deductibles, copays, and coinsurance can change.
• Preferred pharmacy networks can change.
• Your medications may move to a different tier or require prior authorization.
• A different plan may offer better value for your current prescriptions.
What to Review
A complete Part D review should look at more than just the monthly premium. The goal is to review the
total picture of your prescription drug coverage so you understand how the plan works with the
medications you actually take.
• Current prescriptions: Make a complete list of the medications you take, including dosage and
frequency.
• Preferred pharmacy: Check whether your preferred pharmacy is still in-network and whether it is
considered a preferred pharmacy for lower cost-sharing.
• Monthly premium: Compare what you pay each month for the plan.
• Annual deductible: Review whether the deductible has changed and how that affects your
out-of-pocket costs.
• Copays and coinsurance: Look at what you pay for each medication and whether those amounts are
increasing.
• Prior authorization or quantity limits: Confirm whether any of your drugs now require additional
approval or have usage restrictions.
The best reviews usually begin with a simple prescription list or survey form. Gather your drugs, dosages,
preferred pharmacy, and any recent pharmacy receipts so the review is based on real information and not
guesswork.
How a Review Can Help
A Part D review can help you lower costs, reduce surprises, and improve confidence in your coverage for
the year ahead. When you compare your current plan to other available options, you may find a plan that
better matches your medications and your budget.
• Identify lower out-of-pocket drug costs.
• Confirm your drugs are still covered.
• Check whether another pharmacy could save you money.
• Avoid unexpected increases in copays or deductible exposure.
• Reduce the risk of discovering too late that a medication is no longer covered the way you expected.
In some cases, if your stand-alone Part D premium, deductible, or drug copays are too high, it may be
worth reviewing Medicare Advantage plans that include drug coverage (MAPD plans). Depending on the
plan and your prescriptions, an MAPD plan may offer lower drug cost-sharing or a lower deductible than
your current stand-alone Part D plan. Part of the reason some of these plans can be competitively priced
is the way Medicare subsidizes prescription drug coverage within Medicare Advantage plans. This does
not mean a Medicare Advantage plan is right for everyone, but it does mean it may be worth comparing if
your current Part D costs feel too high.
Best Time of Year to Review
The best time of year to review your Medicare Part D coverage is during the Medicare Annual Enrollment
Period (AEP), which runs from October 15 through December 7 each year. This is the main time when
people with Medicare can review, change, or switch their drug coverage for the following year. Changes
made during this period generally take effect on January 1, as long as the plan receives the enrollment
request by December 7.
Too many people do not review their Part D plan during AEP and only realize after December 7 that their
copays are too high, their deductible increased, or a medication is no longer covered the way they
expected. For most beneficiaries, once December 7 has passed, they generally cannot make a change for
January 1 coverage unless they qualify for a Special Enrollment Period. That is why reviewing your
coverage before the deadline is so important.
If you take several medications, have recently changed prescriptions, or noticed increasing costs at the
pharmacy, do not wait until the new year to find out what changed. Reviewing your drug plan during AEP
can help you make a smarter choice before CMS closes the window for most year-ahead changes
Gather your drug list, preferred pharmacy, and current plan information, then schedule a Medicare Part D
Plan Review.
A few minutes spent reviewing your coverage now may help you avoid higher drug costs
and surprises later
