Are you ready to get started?

Now that you have a better understanding of how the Medicare Part D prescription drug plan works, you may be ready to look at your options and make a decision. This list can help you be sure you’ve done all you can to choose the best plan for you.

  • Check the plan formularies to figure out which plans cover all or most of your drugs
  • Check how the formulary tiers affect what you have to pay
  • Compare the plan premiums and other cost-sharing requirements (such as deductibles, co-insurance, and co-pays)
  • Check for drug conditions or restrictions, such as limits, prior authorization, and step therapy requirements
  • Look into whether you qualify for Extra Help (the low-income subsidy)
  • Find out which of your cancer drugs are still covered under Part B
  • Understand how off-label drug uses are treated under Part D
  • Understand your appeal rights
  • Check to see which plans offer the best drug coverage (brand name or generic) in the coverage gap (donut hole)
  • Check with your doctor to see if you can use a generic drug instead of a brand name drug to reduce costs. Some plan formularies may cover the generic version of a drug, but not the brand name drug.

The American Cancer Society medical and editorial content team

Our team is made up of doctors and oncology certified nurses with deep knowledge of cancer care as well as journalists, editors, and translators with extensive experience in medical writing.

Last Medical Review: January 22, 2014 Last Revised: January 23, 2014

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