Part D Prescription Drug Plans in Phoenix, AZ

In short

You can get Part D as a stand-alone drug plan (usually paired with Original Medicare and a Medigap policy) or as part of a Medicare Advantage plan. Each plan has its own list of covered drugs, pharmacy network, and costs.

What to compare

The formulary — the plan's list of covered drugs. Make sure your medications are on it.
Drug tiers — drugs are grouped into tiers with different copays or coinsurance.
Preferred pharmacies — costs can be lower at certain pharmacies or by mail order.
Premium and deductible — the monthly cost and what you pay before coverage starts.
Rules like prior authorization, step therapy, or quantity limits for certain drugs.

Recent changes that help

A yearly cap on out-of-pocket costs for covered Part D drugs. The amount is set by Medicare and adjusted each year — ask me for the current figure.
Covered insulin is limited to no more than $35 for a month's supply under Part D.
The Medicare Prescription Payment Plan lets you spread your drug costs into monthly payments across the year, if you choose.

Avoid the late enrollment penalty

Part D late enrollment penalty

If you go 63 days or more in a row without Part D or other creditable drug coverage after your Initial Enrollment Period ends, you may owe a penalty that's added to your premium for as long as you have Part D. Employer or union coverage may count as creditable — check the notice from your plan.

Help paying for prescriptions

If your income and resources are limited, you may qualify for Extra Help, a Medicare program that helps pay Part D costs. You can apply through Social Security. I'm happy to point you in the right direction.

Review your plan every year

Drug plans can change their costs, covered drugs, and pharmacy networks each year. Reading your Annual Notice of Change each fall — and comparing plans during the Annual Enrollment Period (October 15 – December 7) — can help you avoid surprises.

How I can help

Bring your list of medications (names, doses, and how often you take them) and your preferred pharmacy. I'll compare plans available in your area from the companies I represent and show you estimated costs.

Common questions

Do I need Part D if I don't take any medications?

You aren't required to enroll, but if you don't have other creditable drug coverage and join later, you may owe a lifelong late enrollment penalty. Many people choose a lower-cost plan as protection.

What's creditable drug coverage?

Drug coverage that's expected to pay, on average, at least as much as standard Medicare drug coverage. Employer and union plans usually send a yearly notice telling you whether your coverage is creditable.

This page is general educational information, not personal advice. Medicare rules, costs, and plan options change and depend on your situation. For official information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227; TTY 1-877-486-2048).