Prescription RX Coverage
Understand your options for affordable prescription drug coverage. We help you find plans that cover your medications at the lowest cost.
What Is Prescription Drug Coverage?
Prescription drug coverage (also known as Part D for Medicare beneficiaries) helps pay for the medications your doctor prescribes. Without coverage, prescription costs can add up quickly—especially for brand-name or specialty drugs.
Types of Prescription Coverage
Medicare Part D
Standalone prescription drug plans for Medicare beneficiaries. Covers a wide range of medications with tiered pricing.
Medicare Advantage with RX
Many Medicare Advantage plans include prescription drug coverage, combining medical and drug benefits in one plan.
ACA Plan Drug Coverage
All Cover California and ACA-compliant health plans include prescription drug coverage as an essential health benefit.
Supplemental RX Plans
Additional prescription discount programs and supplemental plans to help reduce out-of-pocket medication costs.
Understanding Drug Tiers
Most prescription plans organize medications into tiers, which affect your out-of-pocket cost:
Tier 1 – Preferred generics (lowest cost)
Tier 2 – Non-preferred generics
Tier 3 – Preferred brand-name drugs
Tier 4 – Non-preferred brand-name drugs
Tier 5 – Specialty medications (highest cost)
How We Help
Review your current medications and find plans that cover them
Compare costs across different plans and pharmacies
Check if your preferred pharmacy is in-network
Help you understand copays, coinsurance, and the coverage gap
Assist with enrollment during open or special enrollment periods
Important Dates
Medicare Part D enrollment follows the same schedule as Medicare: the Annual Enrollment Period runs from October 15 through December 7. For ACA plans, open enrollment typically runs November 1 through January 31. Don't miss your window—contact us to get started early.
Need Help With Prescription Coverage?
Our licensed agents will review your medications and find the most affordable plan for you.