How can I compare plans in my area and determine what’s best for me?
As you compare Medicare plans available in your area, use the Medicare Plan Finder and Medicare: The Basics to help you evaluate your options and determine which plan best meets your needs.
What to Consider When Comparing Medicare Drug Coverage
Premiums, deductibles and prescription costs.
Covered medications and coverage requirements.
Pharmacy network and mail-order options.
Medicare plan quality ratings.
Questions to Ask When Comparing Medicare Drug Coverage:
- Does the plan cover all the medications I am taking?
- Does the plan cover the most important medications I take? (Ask your doctor.)
- If the plan does not cover a medication I take, does it cover one that will work for me? (Ask your doctor.)
- Does the plan require that I get special permission before it will cover the medication I need (such as prior authorization or step-therapy)?
- How much will I pay at the pharmacy (copayments or coinsurance) for each drug I need? (Certain drugs may have high coinsurance.)
- If a drug I take has a very high coinsurance, is there a drug I can take that will cost me less? (Ask your doctor.)
- How much will I pay in monthly premiums and annual deductible?
- Can I fill my prescriptions at the pharmacies I use regularly?
- Can I fill my prescriptions when I travel?
- What happens if I go to pharmacies that are not in the network?
- Can I get prescriptions by mail order?
- Will the Medicare drug plan work with my current drug coverage?