Medicare Part D (drug plans), decoded.
Part D covers your prescription drugs — but every plan has a different formulary, pharmacy network, and price for your specific medications. We compare each Part D plan available in Tacoma & Pierce County against your exact drug list to find your lowest total cost. Free reviews. Zero pressure. No cost for our services.
Four parts.
One clear picture.
Medicare is federal health insurance for people 65 and older, and some younger people with disabilities. It has different parts that cover different types of healthcare services — here's the map.
Hospital
Covers hospital stays, skilled nursing, and hospice care.
Medical
Covers doctor visits, outpatient care, and medical equipment.
Medicare Advantage
The all-in-one alternative to Original Medicare.
Prescription
Prescription drug coverage for the medications you take.
Medicare Advantage vs.
Medicare Supplement
Both paths can work beautifully — for the right person. The difference comes down to networks, premiums, and how you like to use your coverage.
Medicare Advantage
- ✓ Replaces Original Medicare (Parts A & B)
- ✓ Often includes prescription drug coverage
- ✓ May include dental, vision & hearing aids
- ✓ Typically lower monthly premiums
- ✓ Provider networks and prior authorizations
Medicare Supplement
- ✓ Works alongside Original Medicare
- ✓ Helps pay Medicare deductibles & coinsurance
- ✓ No provider networks — see any Medicare doctor
- ✓ Guaranteed renewable
- ✓ Separate Part D needed for prescriptions
Not sure which path fits your doctors, medications, and budget? That's exactly what a free Medicare review is for — we compare plans from multiple carriers, side by side, with no obligation to purchase. Want the fundamentals first? Start with our Medicare education guide.
Miss a window,
and it can cost you.
Medicare runs on a calendar. These are the three enrollment windows everyone should have circled.
Initial Enrollment Period
3 months before to 3 months after your 65th birthday — your first chance to enroll in Medicare.
Annual Open Enrollment
Each year, you can switch, drop, or join Medicare Advantage and Part D plans for the year ahead.
Medicare Advantage Open Enrollment
For Medicare Advantage plan members — a window to change plans or return to Original Medicare.
A Medicare guide in your corner — at no cost to you.
Built on 30 years in the financial and healthcare industries, in plain English y en español. Here's what working with us looks like:
- ✓ Licensed Medicare specialists
- ✓ No cost for our services — ever
- ✓ We compare plans from multiple carriers, side by side
- ✓ Help with enrollment, start to finish
- ✓ Ongoing support and service, year-round
- ✓ Annual plan reviews so your coverage still fits
Free Medicare Review
Let our licensed Medicare experts help you understand your options and find the right plan — Advantage, Supplement, or Part D. No obligation, no pressure.
If Medicare’s costs are a strain, check whether you qualify for a Medicare Savings Program before choosing a plan. These state programs can cover your Part B premium — and qualifying automatically gets you Extra Help with prescription costs, which changes which plan is actually cheapest for you.
There is help with drug costs.
Extra Help (Low-Income Subsidy)
Lowers your Part D premium, deductible and pharmacy copays. Run by Social Security, and automatic if you already have Medicaid, SSI or a Medicare Savings Program.
Medicare Savings Programs
A separate program, run by your state, that helps pay your Medicare premiums — and qualifying for one automatically qualifies you for Extra Help.
Common Medicare questions
Quick, plain-English answers — and when you want the deep dive, our Medicare education center is free.
What is Medicare Part D?
How much does Part D cost, and what is the new out-of-pocket cap?
How do I choose the right Part D plan?
When can I enroll in Part D, and is there a penalty for waiting?
Navigate Medicare
with confidence.
Let our licensed Medicare experts help you understand your options and find the right plan — Advantage, Supplement, or Part D. Free, friendly, and zero pressure.