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Huhn Insurance Agency
Prescription Drug Coverage That Fits Your Needs & Budget
Prescription Drug Plans That Work with Your Medicare Coverage
Medicare Part D helps cover the cost of prescription medications — from everyday prescriptions to specialty drugs. If you have Original Medicare or a Supplement plan, you’ll need Part D to avoid coverage gaps and late penalties. We help Medicare recipients compare plans based on their prescriptions, pharmacy preferences, and budget, so you can feel confident you’re making the right choice.
What You Need to Know About Medicare Part D
Adding Drug Coverage to Your Medicare Plan?
Part D plans are offered by private insurance companies and vary in terms of premiums, drug formularies, and out-of-pocket costs. These plans use a tiered system that affects what you pay for each medication. Choosing the wrong plan could mean paying too much or not getting coverage for your prescriptions. We help you avoid surprises by reviewing your medication list and pharmacy options during enrollment.
What We Help With
- Comparing Part D plans available in your area
- Reviewing your medication list for coverage & cost
- Checking preferred pharmacy networks & mail-order options
- Explaining drug tiers, copays, and prior authorizations
- Helping you enroll or switch during Annual Enrollment
- Avoiding late enrollment penalties or gaps in coverage
Who This Is For
- Medicare recipients enrolled in Original Medicare
- People with Medicare Supplement plans who need drug coverage
- Seniors taking multiple prescriptions or managing chronic conditions
- Individuals unsure how to compare formularies or estimate costs
- Anyone needing help during Annual Enrollment or after a life change
Notes & Tips
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There are multiple Part D carriers — but not all plans cover the same drugs or use the same pharmacies.
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Part D plans can change every year — we recommend reviewing your plan during Medicare Annual Enrollment (Oct 15–Dec 7).
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We work with our clients year around to make sure their pharmacy is in-network and their medications are included.
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Some medications require prior approval or step therapy — we’ll help you understand what that means for your prescriptions.
Frequently Asked Questions
Do I need Part D if I don’t take any prescriptions?
Yes — skipping Part D now can lead to late penalties later. We can help you find a low-cost plan just to stay covered.
Can I get drug coverage through my Medicare Advantage plan?
Most Advantage plans include drug coverage, but if you have Original Medicare or a Supplement, you’ll need a stand-alone Part D plan.
Are all medications covered under every plan?
No. Each plan has its own formulary. We’ll check your exact prescriptions against available plans to avoid surprises.
Can I change my Part D plan later?
Yes — during Annual Enrollment or if you qualify for a Special Enrollment Period. We’ll help you switch if needed.
Is your help really complimentary?
Yes — there’s no cost to you for using our services. You’ll pay the same premium either way.
Find the Right Medicare Part D Plan for Your Needs
We’ll help you pick a plan that covers your prescriptions, fits your budget & works with your local pharmacy.
