Affordable Prescription Drug Coverage
Medicare Part D helps cover the cost of prescription drugs. We compare plans based on your specific medications so you can review your options.
Clear Point Senior Advisors is an independent insurance agency. Not connected with or endorsed by Medicare, CMS, or the U.S. government. Plan availability varies by location. We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
What is Medicare Part D?
Medicare Part D is prescription drug coverage available to anyone with Medicare. These plans are offered by private insurance companies approved by Medicare. Each plan has its own list of covered drugs (called a formulary), its own network of pharmacies, and its own cost structure. Choosing a suitable Part D plan can make a meaningful difference in your yearly prescription costs.
How Part D Works
You choose a stand-alone Part D plan or a Medicare Advantage plan with drug coverage.
Each plan has a formulary — a list of covered drugs organized into tiers.
Lower-tier drugs typically cost less. Higher-tier or specialty drugs cost more.
Using in-network pharmacies saves you money.
Since 2025 there is no "coverage gap" (donut hole). Part D has three stages: a deductible (if your plan has one — no more than $615 in 2026), initial coverage where you pay your share of each prescription, and catastrophic coverage: once your out-of-pocket costs for covered drugs reach $2,100 in 2026, you pay $0 for covered Part D drugs for the rest of the calendar year.
Why Compare Part D Plans Every Year?
Part D plans change every year. Formularies change. Premiums change. Pharmacies change. A plan option that fit your needs last year may not be the same one this year. During the Annual Election Period (Oct 15 – Dec 7), we review your medications against the new formularies to make sure you are still in a plan that covers your prescriptions.
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Clear Point Senior Advisors is an independent insurance agency and is not connected with or endorsed by the U.S. government or the federal Medicare program. Plan availability, benefits, premiums, provider networks, drug coverage, and costs vary by plan, location, and eligibility. A licensed insurance agent may contact you to discuss Medicare-related options. You can also contact Medicare.gov or 1-800-MEDICARE for official information.
Review Your Part D Plan Options
Bring your medication list. We will check available plan options in your area to help you review coverage based on your medications, pharmacy, county, and coverage needs.