Although there are some similar features of Medicare Part D plans, they are not all the same. There are several different ways in which plans can differ that could affect your access to medications and how much you pay for them.
For example, plans can vary in the lists of drugs they cover (also known as the plan’s formulary), whether they charge a deductible that you must pay before your coverage begins, the cost-sharing amounts that they charge for specific drugs, pharmacy networks and whether patients are required to get prior authorization from their doctor before the plan will cover specific medications. At Twin City Underwriters we help you compare all your plan options and enroll in a suitable drug plan.