Why Medicare Part D Planning Matters
Medicare Part D prescription drug coverage is essential for managing medication costs. The right plan can save you hundreds or thousands of dollars annually.
Formulary Analysis
We check each plan’s covered drug list to make sure your meds are covered at the lowest tiers.
Pharmacy Networks
We verify your preferred pharmacies (CVS, Walgreens, Kroger, local independents) are in-network.
Total Cost Analysis
We calculate premiums, deductibles, and out-of-pocket costs to find your best value.
Gap (“Donut Hole”)
Understand the coverage gap and strategies to minimize costs when you reach it.
Annual Reviews
Plans change each year. We review during Open Enrollment to keep you optimized.
Penalty Avoidance
We help you avoid lifetime late penalties and ensure creditable coverage.
Understanding Part D Coverage Phases
Part D has phases that affect your costs throughout the year. We help you plan for each one.
Annual Deductible
You pay the full cost of medications until the deductible is met.
Initial Coverage
Copays/coinsurance apply until total drug costs reach the gap.
Coverage Gap
You typically pay 25% of drug costs until catastrophic coverage.
Catastrophic
Small copay/coinsurance for covered drugs for the rest of the year.
Knox County Pharmacy Networks
We ensure your preferred pharmacies are in-network to avoid higher costs.
CVS Pharmacy
Walgreens
Kroger Pharmacy
UT Medical
Local Independent
Mail Order
Our Part D Planning Process
A systematic approach to analyze your meds and find the most cost-effective plan.
Medication List Review
We review all prescriptions, dosages, and quantities—including likely future meds.
Pharmacy Preferences
We capture your preferred pharmacies (including specialty and mail-order options).
Formulary Analysis
We check tiers and any restrictions like prior authorization or step therapy.
Cost Calculation & Comparison
We total premiums, deductibles, and OOP costs—projected across coverage phases.
Recommendation & Enrollment
We present top options and help you enroll—paperwork handled accurately and on time.
Annual Reviews
During Open Enrollment, we recheck changes and switch plans if a better option appears.
Sample Part D Plan Comparison
Example comparison for a Knox County resident taking common medications.
| Plan Feature | Plan A | Plan B | Plan C |
|---|---|---|---|
| Monthly Premium | $12.20 | $33.40 | $46.10 |
| Annual Deductible | $505 | $480 | $0 |
| Metformin (Generic) | $4 copay | $0 copay | $3 copay |
| Lisinopril (Generic) | $4 copay | $0 copay | $3 copay |
| Atorvastatin (Generic) | $10 copay | $7 copay | $5 copay |
| CVS Pharmacy | ✓ In-Network | ✓ In-Network | ✓ In-Network |
| Kroger Pharmacy | ✓ In-Network | ✗ Out-of-Network | ✓ In-Network |
| Estimated Annual Cost | $762 | $881 | $925 |
*Costs are examples only. Actual costs vary based on specific medications and usage patterns.
Ready to Optimize Your Prescription Drug Costs?
Our Knox County Medicare specialists will analyze your prescriptions and find the most cost-effective Part D plan available for you.
- Free medication analysis with no obligation
- Compare all available Part D plans
- Verify Knox County pharmacy networks
- Annual reviews and plan optimization
Available Monday–Friday 9AM–5PM
Emergency assistance available weekends