Call us: 626-714-1444
01
Two Ways to Get Drug Coverage
02
What to Look At When Comparing
01
Formulary:
The list of drugs the plan covers. Plans change their lists each year.
02
Tiers:
Drugs are grouped into tiers, and your cost depends on the tier.
03
Pharmacy network:
Some pharmacies cost less than others under a given plan.
04
Monthly premium and deductible:
Check both, along with what you pay at the counter.
05
Restrictions:
Some drugs need prior authorization or have quantity limits.
03
Why Review Every Year
​Plans can change their costs, covered drugs and pharmacies every year, and your own medications may change too. Reviewing during the Annual Enrollment Period (October 15 to December 7) helps you avoid surprises.
04
Avoid the Late Enrollment Penalty
If you go without drug coverage that is at least as good as Medicare's for 63 days or more after you first qualify, you may pay a penalty added to your premium for as long as you have Part D. We can help you check.