Prescription Drug Coverage (Medicare Part D)

Medication coverage, made easier to understand.

Original Medicare doesn’t include coverage for most prescription drugs. That’s where Medicare Part D comes in. These plans are offered by private insurance companies and help cover the cost of medications you take at home—whether that’s every day or occasionally.



At BCI Insured, we offer free, personalized guidance to help you understand how Part D works and compare plans that align with your health and lifestyle needs.

What Is Medicare Part D?

Medicare Part D is optional drug coverage that works alongside Original Medicare or a Medicare Supplement plan. If you’re enrolled in a Medicare Advantage plan, drug coverage is usually included automatically—but not always.


Standalone Part D plans vary in:

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Which medications they cover (called a formulary)

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Which pharmacies are in-network

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Costs like premiums, co-pays, and deductibles (which vary by plan)

These details matter. We’ll help you review plans based on the medications you actually take—not just what sounds good on paper.

Why Prescription Drug Coverage Is Important

Even if you’re not taking medications now, it’s smart to consider enrolling in a Part D plan to avoid future late penalties and stay prepared.


Many people choose a low-cost plan to stay protected while maintaining flexibility. Others need more robust coverage for chronic conditions or multiple prescriptions.


We’ll help you:

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Review which plans cover your prescriptions

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Compare pharmacy options (local or mail-order)

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Understand coverage tiers and how to avoid surprises

Avoiding the Part D Penalty

If you don’t enroll in a Part D plan when you’re first eligible—and you don’t have other creditable drug coverage—you may face a late enrollment penalty added to your premium permanently.


We’ll help you:

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Determine if you need to enroll now

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Avoid unnecessary penalties

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Coordinate Part D coverage with your other insurance

What If My Medications Change?

Part D plans update their formularies every year—and your needs may change, too. That’s why we offer help during Medicare’s Annual Enrollment Period to review your plan and make updates if needed.


If a medication you rely on isn’t covered next year, we’ll help you find a better option or work with your doctor to explore alternatives.

Licensed in 11 States. Trusted Everywhere.

From our home base in St. Augustine, FL, we serve clients across Palm Coast, Fleming Island, and beyond. Whether you’re new to Medicare or adjusting your coverage, we’re here to make sure your drug plan is the right fit.

FAQs About Medicare Part D

  • Do I need Part D if I’m on a Medicare Advantage plan?

    Many Advantage plans include drug coverage—but not all. If yours doesn’t, you may need a separate Part D plan.

  • Can I switch plans if my medications change?

    Yes, during Annual Enrollment or under certain Special Enrollment Periods. We’ll help you determine when and how.

  • What’s the difference between drug tiers?

    Medications are grouped into tiers that determine your out-of-pocket cost. We’ll help you understand what tier your prescriptions fall into.

  • What if I don’t take any prescriptions right now?

    You may still want to enroll in a basic plan to avoid late penalties and stay protected in case your needs change.

Let’s Find the Right Drug Plan for Your Needs

Prescription coverage isn’t one-size-fits-all. Let’s review your medications, location, and pharmacy preferences together—and find a plan that works for you.

Have a question?

Contact us today