Make your prescriptions part of the plan.

Separate Part D or coverage within an Advantage plan

You can get Part D through a stand-alone prescription drug plan with Original Medicare, or through most Medicare Advantage plans. Coverage comes from Medicare-approved private insurers.

Plans have covered-drug lists called formularies. A medicine's tier, pharmacy arrangement, and coverage rules can affect what you pay and how you fill it.

What to review for every medication

Use the exact name, dosage, and frequency for each prescription. Include your preferred pharmacy and whether you use mail order. Share these details during your consultation, not through the website contact form.

• Whether the medication is on the plan's formulary.
• The drug tier and your expected copayment or coinsurance.
• Whether a deductible applies.
• Prior authorization, step therapy, or quantity limits.
• Preferred and standard in-network pharmacies.
• The combined annual cost, not only the monthly premium.

The 2026 out-of-pocket limit

The Part D coverage gap, often called the donut hole, was eliminated in 2025. For 2026, annual out-of-pocket spending on covered Part D drugs is capped at $2,100.

Premiums and medications that are not covered by the plan do not count toward this limit. The cap does not remove the need to compare formularies, pharmacies, and plan costs.

Avoid a gap in creditable drug coverage

Waiting to enroll in Part D without other creditable prescription coverage can lead to a late-enrollment penalty. Keep written notices about employer or other drug coverage and ask before dropping it.

People with limited income and resources may qualify for Extra Help, also called the Low-Income Subsidy, to reduce Part D costs.

Check again during an annual review

Your prescriptions may change, and so can a plan's formulary, premiums, pharmacy arrangements, and cost-sharing. Bring your updated list to Julianne before choosing coverage for the next year.