How Part D works
Each plan has its own list of covered drugs (a formulary), pharmacy network, and pricing tiers. The right plan depends entirely on the medications you take.
2026 out-of-pocket cap
Your yearly out-of-pocket spending on covered drugs is capped at $2,000 — a big relief for anyone on high-cost medications.
We check your prescriptions
- We price your exact medications across plans
- We confirm your pharmacy is in-network
- We review your plan every year at Annual Enrollment