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Medicare Part D Prescription Drug Plan & Medicare Advantage Plan Information

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Find a
2014
Medicare Part D Plan

(Prescription Only Coverage)

To compare ALL Medicare Prescription Drug Only plans (PDP) available in your state by plan features, use our Part D Plan Finder.

Just click on your state below:
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First Step - What are Medicare Part D Prescription Drug Plans and Medicare Advanage Plans? .
What are Medicare Part D Prescription Drug Plans and Medicare Advantage Plans?
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New to the Medicare Part D and Medicare Advantage plan program? Looking for a place to get started? Here is an overview of the Medicare Part D prescription drug and Medicare Advantage programs: Medicare Part D prescription drug plans (or PDPs) provide insurance coverage for your prescription drugs. Medicare Advantage plans (MAs or MA-PDs) provide your Medicare Part A coverage (In-patient and Hospitalization) and your Medicare Part B coverage (Doctors visits and Out-Patient care) - and maybe even Medicare prescription drug coverage.
Medicare Part D plans and Medicare Advantage plans are both voluntary programs and you are not required to join a plan. But you may be subject to a late-enrollment penalty if you decide to join a prescription drug plan sometime after your initial enrollment period has ended.
Medicare Part D plans and Medicare Advantage plans are regulated by the Centers for Medicare and Medicaid Services (CMS or Medicare) and implemented by private insurance companies (such as Aetna, Humana, and United HealthCare).
If you decide to enroll in a Medicare Part D plan or Medicare Advantage plan, you will find that, like any insurance, you pay a monthly premium. The monthly premiums for a Medicare Part D PDP can range from under $20 to over $130 dollars.The monthly premiums for a Medicare Advantage plan with (MA-PD) or without (MA) prescription coverage can range from $0 (no kidding) to well over $100.
Medicare Part D and Medicare Advantage plans may have an initial deductible, co-payments or co-insurance, and some Donut Hole (Doughnut Hole) or Gap coverage (you can find more on these topics in our Glossary).
When you enroll in a Medicare Part D prescription drug plan or a Medicare Advantage plan that offers prescription coverage, you should find that your prescription medication costs are reduced. The amount of savings depends on the Medicare plan you select. If you wish to learn more, you can click on this link to view all of the Medicare Part D plans in your State!
:: More information here in our Blog
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Step 2 - So how do you actually choose a Medicare Part D prescription drug plan or Medicare Advantage plan? .
Choosing your Medicare Part D or Medicare Advantage Plan
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Trying to choose a Medicare Part D prescription drug plan (PDP) or Medicare Advantage plan? Medicare suggests that you look at Coverage, Cost, and Convenience - to these criteria we also add that you should probably consider the Company and your level of Comfort.
  • Coverage - Are your prescription medications covered by this plan? Are there generic alternatives for your brand-name drugs? Can you work with this plan to get a formulary exception should you need a medication that is not covered on the existing formulary? What price-tiers apply to your medications? What health coverage does the Medicare Advantage plan offer beyond basic Medicare? Are there any additional benefits offered by the plan?
  • Cost - What are the monthly plan premiums? Does the Medicare Part D plan or Medicare Advantage plan have an initial deductible? What are the co-payments or co-insurance that you pay for your medications or healthcare? What are the plan's coverage limits? Is there any prescription coverage in the Donut Hole?
  • Convenience - How difficult is it to find a pharmacy or a health care provider? (Note: most national Medicare Part D plans have a pharmacy network of over 50,000 pharmacies.) Are your restricted to any healthcare network? Do your doctors accept this Medicare Advantage plan? How easy is it to work with this Medicare Part D plan or Medicare Advantage plan?
  • Company - Is the company who provides the Medicare Part D or Medicare Advantage plan important to you? Often people choose a Medicare plan based only the Medicare plan provider's reputation or recommendation.
  • Comfort - Are you comfortable with your current Medicare Part D plan or Medicare Advantage plan? Would you rather spend a few extra dollars per month because you have an idea how your current Medicare plan operates and your plan costs are predictable?
Still looking for more? Here are some general tips specifically for Medicare Part D prescription drug plan selection.
:: Choosing a Plan: The Basics
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Step 3 - Enrolling in your newly chosen Medicare Part D plan or Medicare Advantage plan .
Enrolling into a Medicare Part D plan or Medicare Advantage plan
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You can enroll into a stand-alone Medicare Part D Prescription Drug plan or a Medicare Advantage plan during the Annual Enrollment Period (or AEP) or open enrollment period starting October 15th and continuing for seven weeks through December 7th with your newly selected Medicare plan starting on January 1st of the following year.
Please note that if you are just turning 65 or are newly eligible for Medicare, you will be granted a seven (7) month enrollment period when you can join a Medicare Part D or Medicare Advantage plan. The seven month period begins three months before your Medicare eligibility (or birthday) month, includes your eligibility month, and continues for three months after your Medicare eligibility month. However, your Medicare plan can begin no sooner than the first day of your Medicare eligibility month.
Enrolling in a Medicare Part D or Medicare Advantage plan is easy and takes little time.
: : Click here if you already know
      which Medicare Part D plan you want

: : Click here to search for a
      Medicare Part D plan

: : Click here to search for a
      Medicare Advantage plan


The good news about enrollment is that you always pay the same amount for a Medicare D plan or Medicare Advantage plan, no matter where or how you enroll. As an expanded feature, we now provide enrollment options for all 2014 Medicare Part D plans and Medicare Advantage plans across the country. If you wish, you can also enroll directly with Medicare (1-800-Medicare) or with an insurance agent or the Medicare plan provider. No matter how you enroll in to a Medicare plan, the enrollment result should always be the same and in 7 to 10 business days you should receive your Medicare Part D new Member information.
Once enrolled into a Medicare Part D or Medicare Advantage plan, you can contact the plan's Member Services department with any questions or concerns. The toll-free number will be on the back of your Member ID card.
Please note that the Medicare Advantage Dis-Enrollment Period (MADP) for Medicare Advantage Plans beginsJanuary 1st and continues through February 14th -- during the MADP members of Medicare Advantage plans can switch back to original Medicare and join a stand-alone Medicare Part D drug plan.

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Q1Medicare.com presents the RxSavings-Center designed to help navigate retail drug discount programs .
RxSavings-Center and RxSavings-Finder Help Navigate Retail Drug Discount Programs
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Our Q1Medicare.com RxSavings Center provides you with many different ways to search through retail drug discount programs. There is no cost to use the RxSavings-Center and you can search alphabetical by drug name or search by using the retailer's drug category or you can search by using the RxSavings-Finder - a combination of drug categories and discount drug programs. You will find that the discount drug information is also cross referenced with several lists of popular medications, including a list of the top 100 Medicare drugs. Links for each medication provide you with more information on drug strengths, form and available quantities - as well as discount drug program pricing, program availability, and program stipulations. You can also search by: Will your Prescription Drug Plan cover your specific prescription medications? We have our PDP-DrugFinder online to help you search your Part D plan formulary or drug list. Our use the link below for a more advanced prescription drug search.
:: Click here and search Part D plan's covering your prescription drugs.
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Read the most viewed entries in our Medicare Part D Blog .
Read the most viewed entries in our Medicare Part D Blog
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Here are the most viewed blogs
2014 Federal Poverty Level Guidelines: 2014-2015 LIS Qualifications and Benefits
The 2014 Federal Poverty Level (FPL) Guidelines determine the income level requirements for people applying for the Medicare Part D Low Income Subsidy (LIS) program, also known as the "Extra Help ...

Medicare Part D Special Enrollment Periods (SEP)
In certain situations, people with Medicare may be eligible for a Special Enrollment Period (SEP) to join a plan that provides Medicare prescription drug coverage, or switch to a different plan. A Spe ...

2015 Low-Income Subsidy Benchmark Premium Amounts (includes 2015 - 2006 for comparison)
The Centers for Medicare and Medicaid Services (CMS) released the 2015 low-income premium subsidy amounts (or Benchmark) for Medicare Part D plans on July 31, 2014. The benchmark is the maximum m ...

Does Medicare Cover Vitamin B-12 Injections (Shots)?
In specific cases, Medicare will cover Vitamin B-12 injections.  Please read the excerpt below from Medicare Benefit Policy Manual, Chapter 7 - Home Health Services. Intravenous, intramuscular, ...

Medicaid "Spend Down" and Medicare Part D
People with Medicare who are also eligible for Medicaid because of high medical expenses can get Medicare prescription drug coverage no matter if they are in the Original Medicare Plan or a Medicare A ...

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2014 Medicare IRMAA Information Available .
Higher income means higher Medicare costs: Income Related Medicare Adjustment Amounts (IRMAA) increase in 2014
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Medicare Part D beneficiaries with an income above a certain level (see charts below) have an increase in their monthly Medicare Part D prescription drug plan premiums, based on the implementation of the Medicare Part D Income-Related Monthly Adjustment Amount (IRMAA). The Medicare Part D IRMAA began in January 2011. For the 2014 plan year, the IRMAA will increase to levels similar to the 2012 figures...
:: Click here for more information on the 2014 IRMAA rates.
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Find a
2014
Medicare Advantage Plan

(Health and Prescription Coverage)

To compare ALL Medicare Advantage plans available in your county by plan features, use our Medicare Advantage Plan Finder.
Enter Your ZIP Code
Or click on your state below:
AK  AL  AR  AZ  CA  CO  CT  DC  DE  FL  GA  HI  IA  ID  IL  IN  KS  KY  LA  MA  MD  ME  MI  MN  MO  MS  MT  NC  ND  NE  NH  NJ  NM  NV  NY  OH  OK  OR  PA  RI  SC  SD  TN  TX  UT  VA  VT  WA  WI  WV  WY
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The Q1Medicare.com prescription drug finder (PDP-DrugFinder) helps find drugs coverd by your Part D plan. .
2014 Prescription Drug Search Tool: PDP-DrugFinder
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Looking for a simpler way to determine which 2014 Medicare Part D prescription drug plans cover a particular medication? Try our prescription drug search tool : PDP-DrugFinder. PDP-DrugFinder is designed for fast, single medication searches and provides plan details and cost-sharing information for your covered medication.

With PDP-DrugFinder, you can search for a medication different ways and find all the Medicare Part D plans in your state that cover your prescription drug or simply determine whether a specific medication is covered by your 2014 Part D prescription drug plan. Is your particular medication also part of a local retailer’s drug discount program? Check our RxSavings-Finder to see if a lower discount price is available.
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Medicare Advantage Plan Information - MAs and MA-PDs .
Medicare Advantage Plans
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Want to learn a little bit more about MAs!
:: Do you have a Medicare Advantage Plan question? Click here to let us know.
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Stay Informed with our Medicare Part D Newsletter .
Stay Informed with our Medicare Part D Newsletter
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Looking for the latest information on Medicare Part D prescription drug plans? Then join the thousands of people who receive our Medicare Part D Newsletter. Our free Newsletter is published on a regular basis and provides details on various areas of your prescription drug plan. The Newsletter presents new Medicare developments, frequently asked questions, and sometimes digs into more complex areas of Part D coverage. We also welcome reader input and suggestions for new topics. Complete the form below to sign up for the Newsletter. Please note, that we never share your personal information with other parties.

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Low Income Subsidy (LIS) $0 Premium Medicare Part D Plans .
Low Income Subsidy (LIS) Benchmark and
$0 Premium Plans

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If you receive the full Extra-Help, full LIS, or are dual eligible for Medicare and Medicaid, there are Medicare Prescription Drug plans in your state the will qualify for the $0 monthly premium. Click below to review our state benchmark premium Blog. You can click on the benchmark premium for your state to review all plans qualifying for the $0 monthly premium.
:: 2014 Low-Income Subsidy Premium Amounts (includes 2014 - 2006 for comparison)
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2014 CMS Medicare and You Handbook .
Medicare & You 2014 Handbook
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Now Available for Download as PDF! But ... Please think of our environment before printing your own copy. If possible, please read and search through this 152 page document electronically. If you wish to have a printed version, please telephone Medicare at (1-800-Medicare).
:: Download the 2014 Medicare and You Handbook
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2014 Medicare Part D prescription drug plan (PDP) interactive statistical information is online. .
2014 Medicare Part D Prescription Drug Plan (PDP) Summary and Statistical Information.
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Would you like to learn more about 2014 Medicare Part D Prescription Drug Plans? We have information available for all 2014 Medicare Part D prescription drug plans across the country! We provide a national overview of all Part D plans and state specific summaries of the Medicare Part D prescription drug plans in your area. Here are a few state examples: The Part D plan summaries are interactive so you can click on any "linked" or underlined numbers and get a better idea of the actual Part D plan details and Part D plan changes. Do you wish to establish a prescription drug budget for 2014? Try our 2014 PDP-Planner designed to help you estimate your annual prescription drug costs and possible donut hole or coverage gap exposure.
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What can we expect from the 2015 Medicare Part D Plans? - Take a look at the CMS standard benefit .
What can we expect from 2015 Medicare Part D Plans?
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Each year the Centers for Medicare and Medicaid Services (CMS) publishes basic Medicare Part D benefit parameters that are used as a standard for the design of Medicare Part D plans offered by private Medicare Part D plan providers. Prescription drug plan providers can deviate from the CMS standard defined benefits, but the plans must offer Medicare Part D prescription drug coverage that at least meets the basic CMS standard benefit parameters or values.

In 2015, the CMS basic or standard Medicare Part D plan provides:
  • 2015 standard Initial Deductible: The maximum initial deductible is $320 (up from $310 in 2014). In past years, some Medicare Part D plan providers offered prescription drug plans with an Initial Deductibles that was less than the CMS standard. If your Medicare Part D plan has an initial deductible, you are responsible for 100% of your prescription drug costs while in the initial deductible phase.
  • Initial Coverage Phase: The 2015 Initial Coverage Limit is $2,960, up from $2,850 in 2014. So after your initial deductible (if any) is met and until your Medicare plan's negotiated retail costs of your medications reaches $2,960, you share the costs for your medications with your plan by paying coinsurance or co-payments. The CMS standard or model coinsurance is 25%.
  • The 2015 Coverage Gap (also known as the Donut Hole): After you meet your Initial Coverage Limit of $2,960 and until your Total Out-of-Pocket (TrOOP) costs (not including plan premiums) reaches $4,700, you pay 100% of the plan’s negotiated retail price for covered prescriptions (less a portion of the brand-name drug donut hole discount). Following the CMS standard defined or model Medicare Part D plan, your prescription costs would be $6,680 when you exit the Donut Hole.
  • Catastrophic Coverage: Once your total out-of-pocket cost (TrOOP or total drug spend) has reached the 2015 Donut Hole or Coverage Gap exit point of $4,700 (this amount does not include your monthly Part D plan premiums), you pay only a maximum of 5% of the retail price for your covered drugs or a co-payment of $2.65 for covered generics and $6.60 for covered brand-name drugs, whichever cost is greater.
If you wish to see more details, click here to see a comparison of 2015, 2014, 2013, 2012, and 2011 standard CMS Medicare Part D plans.
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The Medicare Savings Finder allows you to enter your medications and find the most affordable Medicare Part D or Medicare Advantage plan. .
Enter your prescriptions and find the most affordable Medicare Advantage plan or Medicare Part D prescription drug plan in your area.
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An easier way to compare Medicare plans by drug cost - Q1Medicare.com now offers a way to quickly estimate the cost of your 2014 Medicare plan based on your prescription medication needs. Using our partner’s Medicare Plan Savings Finder, you can enter your prescription drugs and see which 2014 Medicare Advantage plan or Medicare Part D prescription drug plan most economically covers your medications. The Medicare Plan Savings Finder is simple to use and provides you with all of the essential Medicare plan information. The Medicare Plan Savings Finder also allows you to view stand-alone Medicare Part D prescription drug plans (PDPs) and Medicare Advantage plan (with or without prescription coverage - MA and MA-PDs). You can even save your prescription drug list for future use. FInd a plan that most affordably covers your health and prescription needs? The Medicare Plan Savings Finder also offers online and telephone enrollment for some of the major 2014 Medicare Part D and Medicare Advantage plans.
:: Click here to begin using the 2014 Medicare Savings Finder.
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PDP-Planner: Medicare Part D Doughnut (Donut) Hole Calculator .
PDP-Planner Helps you Prepare for Your 2015 Plan Costs
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You can begin to prepare for your 2015 Medicare Part D prescription drug spending now! Millions of Medicare Part D beneficiaries enter the Donut Hole or Coverage Gap each year -- and most people do not exit the Donut Hole, but instead stay in the Donut Hole through the remainder of the year. Would you like to estimate your budget for prescription drug in 2015? Use our free PDP-Planner to plan now for 2015!

You can also use our 2011, 2012, 2013, and 2014 Donut Hole Calculators to compare your previous Coverage Gap experiences with our Donut Hole estimate. You can then adjust the results from our PDP-Planner to better estimate your total 2015 prescription drug costs.

:: 2015 PDP-Planner - Doughnut Hole Calculator: Compare your past Donut Hole experience to a 2015 projection.
:: 2014 Doughnut Hole Calculator
:: 2013 Doughnut Hole Calculator
:: 2012 Doughnut Hole Calculator
:: 2011 Doughnut Hole Calculator
:: 2010 Doughnut Hole Calculator
:: 2009 Doughnut Hole Calculator
:: 2008 Doughnut Hole Calculator
:: 2007 Doughnut Hole Calculator
:: 2006 Doughnut Hole Calculator
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Last updated on: 08/30/2014

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Quick Links
: : Find a 2014 Plan by Drug Costs
: : 2014 Part D Plan Facts & Figures
: : 2014 Part D PDP-Finder (Drug Only) Plan Finder
: : Compare 2013/2014 PDP Plans
: : 2014 MA-Finder: Medicare Advantage Plan Finder
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: : 2014 Part D Drug Finder
: : Browse Any 2014 Part D Plan Formulary
: : 2014 Browse Drugs By Letter
: : RxSavings-Center
: : 2015 Plan Information Reminder Service
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Medicare PartD MAPD and PDP plan comparisons .

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: : See 2014 Medicare Drug Plans
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: : Browse Any 2014 Plan Formulary
: : Find a 2014 Medicare Drug Plan by Drug Cost
: : Compare 2014 Medicare Rx and Health Plans by Drug Costs
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