Top Ten Prescription Drug Plan Recommendations

Medicare prescription drug plans are not identical. When selecting a prescription drug plan, be certain to follow our top ten recommendations:

1.   Make certain your plan covers your preferred pharmacy



2.   Compare monthly premiums among plans



3.   Compare deductible amounts among plans



4.   Check to see if a plan offers any coverage in the “gap” (otherwise known as the “donut hole”)



5.   Review how many of your drugs are covered by each plan you are considering



6.   Review any restrictions a plan has on your drugs (e.g. quantity limits)



7.   Review whether any of your drugs are placed by a plan in a special drug tier that requires higher co-payments



8.   Review the estimated annual costs for your drugs for each plan you are considering



9.   Verify the availability of mail order prescription drug fulfillment for any plan you are considering



10.   Consider the pros and cons of using a Medicare Advantage plan with drug coverage versus a prescription drug plan

You can avoid making a poor choice by using our PlanPrescriber tool. Our PlanPrescriber tool can assist you in making an informed choice that reflects your preferences regarding issues such as monthly premium, drug restrictions, and gap coverage. This tool enables you to compare plans to find the lowest cost. After you review the comparison based on your drug needs, you can decide which plan is best for you.