Original Medicare path
Part A + Part B
+Standalone Part D plan
Often paired with Medicare Supplement insurance when a beneficiary chooses Original Medicare.
Part D prescriptions
Find a Part D plan that fits.
Compare Medicare Part D coverage by medications, formularies, pharmacy pricing, coverage rules, and estimated annual cost.
2027 plan-year update
2027 plan details will be added in early October.
The plan-specific benefits, premiums, networks, formularies, and service areas currently shown are for 2026. We will replace them with verified 2027 information when official materials become available.
Confirmed 2027 Part D amounts: For the defined standard Part D benefit, the 2027 deductible is $700 and the out-of-pocket threshold is $2,400. Individual plans may use a lower deductible and different cost sharing.
Featured Medicare Part D carriers
Two ways to get Part D
Choose drug coverage that matches your exact prescriptions.
Medicare Part D is offered through private plans. You can add a standalone prescription drug plan to Original Medicare or choose a Medicare Advantage plan that includes drug coverage.
Medicare Advantage path
One Medicare Advantage plan
+Part D usually included
HMO and PPO members generally must receive drug coverage through the Medicare Advantage plan.
Build a clean medication review
The premium alone cannot predict your prescription costs.
- RxExact drug and dosage
Include the full name, strength, quantity, and refill frequency for every prescription.
- TFormulary and tier
Confirm that each drug is covered and note the plan tier that controls its cost sharing.
- PPreferred pharmacy pricing
Compare preferred retail, standard retail, and mail-order pricing where available.
- $Estimated annual cost
Compare premium, deductible, and expected prescription costs across the full year.
Featured Part D carriers
Compare Part D carriers around the prescriptions you take.
Start with the formulary and pharmacy pricing, then compare premiums and plan rules. Availability varies by ZIP code.
Part D carrier option
UnitedHealthcare / AARP
Review available UnitedHealthcare and AARP Part D options against your medications and preferred pharmacies.
Compare with my drug list
Part D carrier option
Aetna SilverScript
Compare SilverScript formularies, drug tiers, pharmacy pricing, and estimated yearly prescription costs.
Compare with my drug list
Part D carrier option
HealthSpring
Check HealthSpring plan availability, covered medications, pharmacy options, and coverage requirements.
Compare with my drug list
Part D carrier option
Wellcare
Review Skyline’s 2026 Wellcare Value Script and Classic plan guide, then compare it with your prescriptions.
View Wellcare Part D guidePlan availability, formularies, pharmacy networks, premiums, and drug costs vary by plan and ZIP code. Confirm current details before enrolling.
2026 Part D cost stages
Your share changes as out-of-pocket spending grows.
The figures below are federal 2026 limits. Individual plans can use lower deductibles and different copays or coinsurance within Medicare rules.
Deductible stage
Up to $615You pay the plan deductible, if the plan has one.Initial coverage
Generally 25%Until covered Part D out-of-pocket spending reaches $2,100.Catastrophic coverage
$0 out of pocketFor covered Part D drugs for the rest of 2026.Amounts that count toward the $2,100 limit follow Medicare rules and can include certain payments made on your behalf.
Coverage rules
Check the restrictions attached to every covered drug.
Prior authorization, step therapy, and quantity limits can affect access even when a medication appears on the formulary. Review these rules again each year.
Prior authorization
The plan may require approval before covering a drug.
Step therapy
The plan may require trying another covered drug first.
Quantity limit
The plan may limit how much it covers during a period.
2026
Medicare Prescription Payment Plan
You may spread prescription costs across the calendar year.
This optional program can help manage monthly cash flow, but it does not reduce the total amount you owe for covered prescriptions. Contact your plan to enroll or ask how billing works.
Official resources
Check current costs, formularies, and plans.
Personal Medicare guidance
Ready to compare Medicare Part D plans?
Share the basics and a licensed Skyline Benefit advisor can help compare formularies, pharmacies, premiums, and estimated prescription costs.
- Prescription coverage and drug tiers
- Preferred pharmacies and estimated annual costs
- Plan availability and rules for your home ZIP code
Start your Part D plan comparison.
No obligation. Please do not include Medicare, Social Security, or medical information.
Personal Medicare guidance
Meet David Keum.
Licensed Medicare advisor CA License #4005450
Skyline Benefit provides independent help comparing Medicare Part D formularies, pharmacy pricing, coverage rules, and estimated annual prescription costs.
Verified Google reviews
Medicare guidance clients recommend.
“David made things very easy to understand and the process was effortless.”
“David simplified the process by breaking everything down for us.”
FAQ
Medicare Drug Plans (Part D) FAQs
Browse all Medicare FAQsDo I need Part D if I do not take medications?
Many people still consider enrolling to avoid future late enrollment penalties unless they have other creditable drug coverage.
Can my plan stop covering a medication?
Formularies can change. Reviewing Annual Notice of Change documents and comparing options during the appropriate enrollment period helps reduce surprises.
Should I review Part D every year?
Yes. Premiums, formularies, preferred pharmacies, and cost-sharing can change annually.
Does the Medicare Prescription Payment Plan lower my drug costs?
No. It can spread covered out-of-pocket prescription costs across the calendar year, but it does not reduce the total amount you owe.
Medicare disclosure
Skyline Benefit is an independent insurance agency and is not connected with or endorsed by the U.S. government or the federal Medicare program.
We do not offer every plan available in your area. Currently we represent 11 organizations which offer 58 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.