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Medicare Part D is optional prescription drug coverage available to everyone with Medicare.
Medicare Part D helps cover the cost of prescription drugs. These plans are offered by private insurance companies approved by Medicare. Part D coverage can help lower your prescription costs and protect against future medication price increases.
Part D plans work alongside your Medicare coverage. You can get Part D coverage through:
Many Medicare Advantage plans include Part D drug coverage in one convenient plan.
If you have Original Medicare and a Supplement plan, you can add a standalone Part D plan.
Part D plans charge a monthly premium that varies by plan and location.
Most plans have an annual deductible (up to $590 in 2026) that you pay before coverage begins.
Medications are organized into tiers with different copayment amounts. Generic drugs typically cost less than brand-name drugs.
After you and your plan spend a certain amount, you enter the coverage gap. However, costs in the gap have decreased significantly due to the ACA.
Once you reach catastrophic coverage, you pay a small amount for drugs for the rest of the year.
Get answers to common questions about Part D prescription drug coverage
Even if you don't take medications now, Part D coverage can protect you against future prescription costs. Medicare recommends getting Part D when you're first eligible to avoid late enrollment penalties that can add to your costs permanently. Compare plans to find affordable coverage for your situation.
If you don't enroll in Part D when you're first eligible and go without creditable prescription drug coverage for 63 or more days, you may have to pay a late enrollment penalty. This penalty is added to your monthly premium and lasts as long as you have Part D coverage. Compare plans in your area to avoid this penalty.
Each Part D plan has a formulary (list of covered drugs) organized by tiers. Before choosing a plan, review its formulary to see if your medications are covered and what tier they're on. Plans can change their formularies during the year, but they'll notify you of changes. Get quotes that show coverage for your specific medications.
Part D plans have pharmacy networks. Most plans include major chain pharmacies and many independent pharmacies. Using an in-network pharmacy typically costs less than using an out-of-network pharmacy. Some plans also offer mail-order pharmacy options for added convenience and potential savings.
You can change Part D plans during the Annual Election Period (October 15 - December 7). If you're already in a Medicare Advantage plan with drug coverage, you can also switch plans during the Medicare Advantage Open Enrollment Period (January 1 - March 31). Outside these periods, you generally cannot change plans unless you qualify for a Special Enrollment Period.
Get instant, no-obligation quotes for Medicare Part D plans available in your area. Compare based on your specific medications and pharmacy preferences.
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