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Prescription Drug Coverage (Part D)

Q: Why does my plan require prior authorization for some drugs?

A: Prior authorization ensures that certain medications are medically necessary or used correctly. Your doctor will submit documentation to approve the prescription.

Q: Can I use GoodRx with Medicare Part D?

A: Yes, but not together. You can choose to use a GoodRx discount instead of your Part D plan for a specific prescription, but that purchase won’t count toward your plan’s out-of-pocket total.

Q: What is a drug formulary?

A: It’s your plan’s official list of covered drugs. Formularies are organized into tiers, and each tier has different copay amounts.

Q: Why do my prescription costs change during the year?

A: Part D has four phases: deductible, initial coverage, donut hole, and catastrophic coverage. As your yearly drug spending increases, you move through these phases and your costs adjust.

Q: Do I need Part D if I don’t take any medications?

A: Yes, most people should still enroll. If you don’t, you’ll pay a lifetime penalty when you eventually need drug coverage—plus you won’t be protected if a new medication becomes necessary.

Plans are insured or covered by Medicare Advantage (HMO, PPO, and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan in your area. Please contact medicare.gov or 1-800- Medicare to get information on all your options.

Contact Info

Give us a call at 904-614-6257
Monday to Friday: 8:00am to 6:00pm
Saturday & Sunday: Closed