Medicare Part D Prescription Rx Plans

Medicare RX plans – PART D - have changed over the last year. There is no longer the dreaded “Donut Hole" Coverage has become much simpler.

For ALL Stand Alone Part D plans – there is a:

Premium: Your monthly, quarterly, or annual fee for the plan.
Deductible - this is what you pay before the copays kick in. Some plans have a deductible for only higher-tier, more expensive RX. Maximum deductible for 2026 = $ 645.00
Copays and Tiers - The drugs are organized into different tiers by the company. You would pay that defined copay or percentage.
Out-of-Pocket Maximum - New benefit which started in 2025. Once your out-of-pocket expenses for copays and deductible reach $2,100 in 2026, your medications are covered at 100%.

Note – The MOOP does NOT include the plan premium.

HOW WE CAN HELP YOU FIND THE MOST EFFECTIVE RX PLAN?

For many insurance companies, we are no longer able to directly enroll or service your Stand Alone Part D Rx plan. Given the changes above, we have seen this coming for the last several years.
That said, we CAN make suggestions and help you enroll yourself

Please complete the RX factfinder

RX FactFinder

IF you have questions on Your Medicare Supplement

Medicare Supplements

We’ll review and suggest the plan which would be the most effective for you in 2026. The critical number is the Total Estimated Annual Cost. This includes the premium and your annual out of pocket.

Three examples below

Huey takes no Prescription Rx. He has this plan ‘ just in case ‘ and to avoid the penalty for not having a Part D plan.
Dewey takes 4 medications including one expensive brand name.
Louie has 10 Rx for multiple conditions.

Note – in ALL cases - The Total Estimated Drug cost is less than the MOOP of $2,100.