Help Choosing the Right Medicare Drug Plan

Prescription coverage is a key part of Medicare. If you’re staying with Original Medicare or have a Medigap plan, you’ll need to choose a standalone Part D drug plan. We help clients across Richmond, Midlothian, and Central Virginia pick a plan that covers their medications and fits their budget.

What Is Medicare

Part D? 

Part D plans are offered by private insurers and cover prescription drugs. Each plan has its own formulary (list of covered drugs), pharmacy network, and cost-sharing structure. Choosing the right one can make a big difference in what you pay.

A family is sitting on the grass in a park.

What to Consider When Choosing a Plan

  • Are your prescriptions covered?


  • Are your preferred pharmacies in-network?


  • What are the monthly premiums, deductibles, and copays? We’ll help you compare plans and avoid surprises.

When to Enroll 

You can enroll in a Part D plan when you first become eligible for Medicare, during Annual Enrollment (Oct 15 – Dec 7), or if you qualify for a Special Enrollment Period. Delaying Part D without other creditable coverage may lead to a penalty.

Our Process

We’ll sit down with you, review your medications, and compare plans available in your ZIP code. Our goal is to help you get the coverage you need without overpaying.

How We Help

Confused about prescription coverage? We’ll sit down with you, review your medications, and help you find a plan that keeps your costs low and your pharmacy in-network. Let’s make sure nothing important gets missed.


Medicare Part D (Prescription Drug Plans) FAQs

  • What happens if I don’t enroll in Part D?

    You may face a monthly late enrollment penalty unless you have other creditable drug coverage.

  • Can I change plans every year?

    Yes, you can review and switch plans during the Annual Enrollment Period.

  • Do Part D plans cover all medications?

    No, each plan has its own formulary. We’ll help you find one that includes your prescriptions.

  • Are generic drugs covered?

    Most plans cover generics at lower copays, but it depends on the plan’s tier system.

  • What if I take a lot of medications?

    We’ll help you review plans that offer low costs for multiple prescriptions and look for coverage gap protection.