How to Compare Part D Plans in Miami-Dade
Start by listing all your prescription medications with dosages. Use this list to compare how each Part D plan covers your specific drugs—tier placement and copay amounts vary significantly between plans.
Check which pharmacies are "preferred" in each plan. Using a preferred pharmacy often cuts copays in half. Major chains like CVS, Walgreens, and Publix participate as preferred pharmacies in many plans.
Consider mail-order pharmacy options. Many plans offer 90-day supplies via mail at significant savings compared to 30-day retail fills—convenient for maintenance medications.
2025 Part D Cost Changes
Starting in 2025, Part D out-of-pocket costs are capped at $2,000 annually thanks to the Inflation Reduction Act. This eliminates the coverage gap (donut hole) for most beneficiaries.
Plans may offer the new Medicare Prescription Payment Plan, allowing you to spread out-of-pocket costs evenly across the year instead of paying them all when you pick up medications.
These changes make comparing plans even more important—monthly premiums and drug-specific copays become the primary cost differentiators.