Manage Your Part D Coverage

Choosing Part D coverage comes down to one thing: finding the plan with your lowest out-of-pocket cost—which is a combination of your monthly plan premium, plus your deductible and co-pays.

The Part D plan finder tool at Medicare.gov allows you to assess very quickly on your own what plan will offer you the lowest cost. The plan finder does all of the math for you, so you can easily see which option to choose.

You can also enroll in a plan directly from Medicare.gov. This is the fastest, most efficient, and easiest way for you to secure your Part D coverage.

Go to Medicare.gov:
- Find the link to “Health & Drug Plans” at the top of the page in the main navigation.
- From the drop-down menu, see “Find & Compare” on the left, and choose “Find health & drug plans”.

Scroll down to the section: “Find Medicare health & drug plans”.
- If you are enrolling during the Annual Enrollment Period (AEP), be sure to choose the UPCOMING PLAN YEAR.

Don't have a Medicare.gov account?* Use the tool to the right under the caption “Don’t have a Medicare account?”
- Start with your zip code, then click "continue".
- Choose the option: Medicare drug plan (Part D).
- If you don’t get financial assistance or have a savings program, select “I don’t get help from any of these programs”. (If you know you are on a program to help with costs, select that option instead.)

*If you have a Medicare.gov account, you can log in using that account. This will allow you to save your medications and pharmacy to review every year.

When asked, “Do you want to use drug costs to help you compare plans?” Select YES

Add Your Medications
- Begin typing to find and select your drug.
- Choose the correct:
  - Dosage (ex: 20 mg) and Form (tablet, capsule, etc.)
  - Quantity
  - Frequency
- Click "Add to my drug list".
- Repeat this process for all your medications, using “Add another drug”.
- After your drugs are entered, click “Continue”.

Save Your Preferred Pharmacy/Pharmacies
- Enter your ZIP code.
- Add your preferred pharmacy/pharmacies.
- Include mail order, if you’d like to compare that option—Recommended.

Now it’s time to compare and choose a plan.
- Do not select a filter.
- Sort plans by “Lowest drug + premium cost”— This is the default sort.
- The lowest cost plan will appear at the top:
  - Look for the header “Total Drug & Premium Cost” under the drug deductible. (If you’d like to confirm that it is the lowest cost option, you can compare that with the “Total Drug & Premium Cost” for the next plan on the list.)

Click on the “See Plan Details” button for that plan at the top of the list and review:
- Plan name in bold at the top.
- Plan type and ID.
- Links to the carrier website.
- A section called “What you’ll pay” which shows you your monthly premium, plus the cost of your medications at the pharmacy(ies) you chose.
- A detailed Overview further down the page with details on your premium, deductible, plan contact information and more.

Time to Enroll: Scroll back to the top of the page and click on the ENROLL button:
- Select the option “Annual Enrollment Period” (or if you are new to Medicare, select “New to Medicare”
- Enter your Medicare ID number from your red/white/blue Medicare card.
- Enter your profile information (Name, DOB, address, etc).
- Answer the general questions.
- Select how you’d like to pay your plan premium: either a Social Security deduction or by invoice.
- Review and complete the agreement section.
- Complete the application and save your confirmation #.
- Your plan materials should arrive from the carrier within 14 business days.

Need Additional Support?

If you have trouble with the Medicare.gov website or login process, call Medicare.gov Technical Support: 1-800-633-4227

For all other Medicare questions, you can reach us anytime:

Milestone Medicare

📞 763-878-5994

📧 info@milestonemedicare.com