I have multiple medications; how can I ensure my Medicare Part D plan covers them all without breaking the bank?

Question

Clarence &quot;Mark&quot; Christiansen · Accepted Answer

medicare.gov has a public website allowing you to input your Rx list including name of drug, milligrams and dosage. Then key in your pharmacy preference to see which Medicare Part D plan will give you the best bang for your buck.

Answered by Clarence "Mark" Christiansen on March 30, 2025

Agent Licensed in WI, AZ, CA & 16 other states

Answered by Clarence "Mark" Christiansen Medicare Insurance Agent

Tony Capraro III · Answer

Medicare.gov you can log on and literally put in all your meds and then you can choose different plans and see what is/isn't covered!

Joseph Bachmeier · Answer

The best thing to do is have a licensed broker review the coverage for you. There are numerous Part D drug plans that are offered, but all offer different pricing for their formularies. As a broker for my clients, I offer a free review for their prescription coverage annually during the Annual Enrollment Period to help them fray expensive costs for their prescriptions. I try to place them with the most cost-effective plan for the new year.

Answered by Joseph Bachmeier on April 7, 2025

Agent Licensed in PA, DE, FL & MD, NC, NJ & SC

Answered by Joseph Bachmeier Medicare Insurance Agent

Charles Fletcher · Answer

The best way to do this is to work with a broker, such as myself, to enter your specific prescriptions into a tool that will compare the available plans. It's also helpful to have someone l ike a brokerwith this experience to help interpret what the results are actually trying to tell you once the filters have been applied and the results can be seen.

Answered by Charles Fletcher on March 24, 2025

Agent Licensed in WA, AZ, ID, NV & TN

Answered by Charles Fletcher Medicare Insurance Agent

Amy Putrino · Answer

Choose a plan that covers all of your medications.  Check the formulary, a list of medications each plan covers.  We will help you create a prescription analysis, personalize to your specific needs.  
If all of your medications are covered on the plan's formulary, your out-of-pocket maximum cannot exceed $2000.00.

Danny Radisewitz · Answer

Selecting the best Prescription Plan without breaking the bank doesn't have to be hard! Sitting down with a knowledgable agent who can explore different plans that are available in your area and then explain how certain plans are designed for folks with different needs. The average Medicare Beneficiary takes four maintenance medications daily. Most of those are Generic and are low cost. However, if you are taking a Brand medication that you see on TV often, your plan will usually be much different. Having a relationship with a knowledgeable agent is always the best solution to Selecting an affordable plan!

Answered by Danny Radisewitz on March 25, 2025

Broker Licensed in SD, IA, MN & ND

Answered by Danny Radisewitz Medicare Insurance Agent

Daniel Weeks · Answer

We can check that through Medicare.gov.  Also, Medicare capped recipient's maximum out of pocket at $2000/year starting 2025 for prescribed medications.

Diana Garner · Answer

As an insurance broker, I follow specific steps to find the right plan for my clients.

I always enter their medications and dosages into the system, select their preferred pharmacy along with other local pharmacies where medications might be less expensive, and then the system will list plans by lowest drug and premium cost to highest drug and premium cost. I compare costs across many plans and explore available financial assistance programs like Extra Help or manufacturer programs you may qualify for. 

If you do not work with a local broker, use Medicare.gov to input your specific medications and dosages to see how costs will vary across plans in your area.

DeeDee Whitlock · Answer

Use Medicare.gov to check all your medication or go see a LOCAL specialist who can check that for you!!

Isaac Lind · Answer

This is a good question, as prescriptions can be very pricey! 

I do this every day, so there are some tips and tricks that I've gained from experience... But to answer your question, after entering all of your prescriptions and what pharmacy you would like to use, the quoter will show all of your options in order of least to most costly for you, for the remainder of the year.

Tom Perrucci · Answer

Do a comprehensive comparison of available drug plans that cover all your meds , as well as your preferred pharmacy. Calculate  the total estimated costs. ( monthly premium if any + cost of the meds).