Five-0-Nine Insurance · Spokane · Yakima · Walla Walla
Part D prescription drug plans
Standalone prescription drug coverage for people on Original Medicare.
Who this is for
The people we usually see for this
Usually someone on Original Medicare, often with a Medicare Supplement such as Plan F, Plan G or Plan N, who needs separate prescription drug coverage.
What people get wrong
The big one is thinking the lowest monthly premium means the lowest cost plan. With Part D you have to look at the whole picture. The prescriptions, the dosages, the pharmacy, the deductible and the copays that apply. And whether the drug is on that carrier's formulary at all.
The second is assuming that because a plan worked this year it will fit next year. Part D plans change annually.
People who take nothing, or only inexpensive medications, sometimes decide they do not need a drug plan. Going without creditable drug coverage can bring a late enrollment penalty later. It is also about risk. Your health can change and an expensive medication can arrive without warning.
Before you call
What people worry about
Three things come up almost every time.
Will I get a penalty
Going without creditable drug coverage after you are eligible can add an amount to your premium for as long as you have Part D. Most people hear about it only once it applies to them.
Are my prescriptions covered
Every plan carries its own formulary. A medication covered on one plan can be missing from the next one down the list.
Which pharmacy can I use
Pharmacy networks change what you pay at the counter. The plan that looks cheapest on paper can cost more at the pharmacy you actually drive to.
Our work
Where we come in
You can research and enroll in Part D yourself on Medicare.gov, and the industry keeps moving further in that direction. In some cases there are limits on how much an agent is permitted to help with the enrollment itself.
There is still real value in a licensed independent agent walking through it with you. You make the decision. We review your prescriptions and your pharmacy, break down the costs, the copays and the phases of Part D, answer questions as they come, and advocate for you when something goes wrong.
What working together actually looks like
We collect your current prescription and pharmacy information each year, so we are working from what is accurate now rather than last year's list.
Our team reviews what has changed, helps you understand the options and walks you through the next steps. We are here through the year when questions or changes come up.
Carriers we compare
Questions about this coverage
What people ask most often about this one, answered the way we would answer on the phone.
Usually yes. Even if you do not currently take prescription medications, it is worth considering prescription drug coverage. If you go without Part D or other creditable prescription drug coverage after you are eligible, you may face a late enrollment penalty.
Drug coverage is also about future risk. Your health and your medication needs can change unexpectedly, and without coverage a new prescription could become a significant out of pocket expense.
No. Five-0-Nine Insurance is an independent, licensed insurance agency. Our agents maintain the required licenses and complete annual carrier and Medicare certifications.
We are not affiliated with or endorsed by Medicare, CMS, the Social Security Administration or any government agency.
There is typically no additional cost to work with us. As independent insurance agents, we are generally compensated by the insurance carriers we represent.
Our role is to help you understand your options, answer your questions, and help you look at the bigger picture of your health insurance and protection planning.
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Accident, critical illness and hospital coverage that pays you directly, so a health event does not have to become a financial one.
For anyone on Original Medicare, usually alongside a Supplement, who needs prescription drug coverage.
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For anyone without a plan through work, in the years before Medicare. We compare what is actually available to you, on the Washington exchange and off it.
Still deciding whether this is right for you?
That is the conversation, not the paperwork. Tell us what you have now and what you are trying to protect, and we will walk through whether this fits.
