Start saving with these simple steps


Find and add prescription drugs to view prices


Compare and select lower cost alternatives


Fill your prescriptions at a cheaper pharmacy or get it home delivered

How drug coverage phases work

By now you probably have a good idea of what Medicare Part D is and the difference between PDP and MA-PD plans. The next step is understanding how Medicare Part D works.

It's important to note that the level of coverage you have under your Medicare prescription drug plan may change throughout the year. This change depends on which stage of coverage you are currently in. Learn more about the stages of coverage below.

Deductible phase

Before Gap, or Initial Coverage Phase

During Gap, or Coverage Gap Phase

After Gap, or Catastrophic Coverage Phase

Retail pharmacy

View drug pricing at your preferred neighborhood pharmacy. Drugs are priced per month.


Mail order pharmacy

Check to see if it's cheaper to get medications home delivered. Drugs are priced every 90 days.

Drug Restrictions

When comparing plans to decide which one is right for you, there are certain things to keep in mind. Many drug plans use rules, programs and restrictions to help control costs and ensure patient safety, which you should be aware of.

PAPrior authorization

QLQuantity limits

STStep therapy