Build your medication list
Start with exact drug names, dosages, frequency, and preferred pharmacies.
What matters when comparing Part D
Drug plan premiums are only one part of the cost picture. Your medications, dosages, pharmacy, and the plan's formulary can materially change what you pay.
Formulary placement
Plans organize covered drugs into tiers. A medication's tier can affect copays or coinsurance, and coverage rules may apply.
Preferred pharmacies
The pharmacy you use can affect pricing. Some plans distinguish between preferred and standard in-network pharmacies.
Plan rules
Prior authorization, step therapy, and quantity limits may apply to certain prescriptions. These details are worth reviewing before enrollment.
Annual review
Plans can change formularies, pharmacy arrangements, and costs from year to year, while your prescriptions can change too.