Prescription coverage that fits your medications.
Medicare Part D helps cover your prescriptions. Our advisors help you compare plans based on the medications you actually take — so you’re not paying more than you need to.
What is Medicare Part D?
Part D is prescription drug coverage offered through private insurance companies approved by Medicare. You can get it as a standalone plan (often paired with Original Medicare or a Medigap plan) or built into many Medicare Advantage plans.
Each Part D plan has its own list of covered drugs (called a formulary) and its own pricing, so the best plan really depends on your specific medications. Coverage also moves through stages over the year, and the dollar amounts are set each plan year.
The best plan depends on the medications you actually take — so we compare based on your real prescription list, not generic estimates.
Standalone Part D vs. Advantage with drugs
| Feature | Standalone Part D | Medicare Advantage with drug coverage |
|---|---|---|
| Pairs with | Original Medicare or Medigap | Bundled in one Part C plan |
| Drug coverage | Yes — the plan’s formulary | Often included |
| Medical coverage | Kept separate | Combined in the same plan |
| Best if | You want Original Medicare or Medigap | You want everything in one plan |
We’ll help you compare both approaches based on your medications.
How to choose the right plan
List your medications
Including dosages, so nothing is missed.
Check the formulary
Is each drug covered, and at what tier?
Compare total cost
Premium plus what you’ll pay for your drugs across the year.
Check the pharmacy
Including whether your pharmacy is preferred.
Frequently asked questions
Do I need a Part D plan?
If you take prescriptions and don’t have other creditable drug coverage, Part D can help. There may also be a late-enrollment penalty for going without creditable coverage. We’ll explain how this applies to you.
Can I get drug coverage through a Medicare Advantage plan instead?
Often yes — many Medicare Advantage plans include drug coverage. We’ll help you compare both approaches.
What if my medication isn’t on the plan’s formulary?
Coverage varies by plan, which is exactly why we compare based on your specific drugs before you choose.
Can I change my Part D plan?
Medicare has set enrollment periods for changes. We can explain the timing for your situation, since medications and plans change year to year.
How much will my prescriptions cost?
That depends on your drugs and the plan’s pricing. We’ll help you see the full-year picture, not just the premium.
The Jeff George Agency is a licensed insurance agency. We are not connected with or endorsed by the U.S. government or the federal Medicare program.
Let’s match a plan to your medications.
Talk with a licensed advisor and bring your prescription list — we’ll handle the comparison.
Talk to an Advisor