Medicare Part D Prescription Plans in Philadelphia and Our 12-State Service Area
Medicare Part D plans provide prescription drug coverage, helping you afford the medications you need. As your Medicare insurance broker in Philadelphia, The Medicare Mensch compares Part D options across Pennsylvania, New Jersey, Delaware, and the rest of our licensed states to match your prescriptions with the most cost-effective plan.
What Medicare Part D Covers
Each Part D plan has its own formulary—a list of covered drugs—organized into tiers. Commonly covered medications include those for heart conditions, diabetes, high blood pressure, and other chronic conditions. Plans also cover vaccines, and under recent changes, many cap insulin costs at $35 per month.
How Part D Plans Work
A typical Part D plan includes:
01.
Monthly Premium
The amount you pay each month for the plan.
02.
Annual Deductible
Some or all drugs may apply to this before coverage starts.
03.
Copayments/Coinsurance
Your share of the cost for medications after meeting any deductible.
04.
Coverage Stages
Initial coverage and catastrophic coverage phases.
Why Choosing the Right Plan Matters
Two people with different prescriptions can pay dramatically different amounts on the same plan. That’s why we start by reviewing your medication list, preferred pharmacies, and budget. Then we identify the plans that keep your total annual costs as low as possible.
When to Enroll
Initial Enrollment Period
When you first join Medicare.
Annual Enrollment Period
October 15 to December 7 each year, when you can change plans.
Special Enrollment Periods
If you lose other creditable coverage or move to a new service area.
Common Questions About Part D
Do I need Part D if I don’t take any medications?
Yes, if you skip it now, you could face a late-enrollment penalty later.
Are generics covered?
Most plans cover generics at the lowest copay tier.
What if my drug isn’t covered?
We can look for an alternative plan or help with an exception request.
Part D in Philadelphia and Beyond
From Center City and South Philly to Camden, Wilmington, and Charlotte, we work with carriers like Aetna, Humana, and WellCare to ensure your medications are covered at the lowest possible cost in your area
Let’s Review Your Prescription Coverage
Schedule a free consultation today. We’ll compare your current medications with available Medicare Part D plans so you can get the right coverage—without overpaying