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Learn about the types of costs you’ll pay in a Medicare drug plan. Part D (Medicare drug coverage) helps cover cost of prescription drugs, may lower your costs and protect against higher costs.
Medicare drug coverage helps pay for prescription drugs you need. It's optional and offered to everyone with Medicare. Even if you don’t take prescription drugs now, consider getting Medicare drug coverage.
A Medicare program for people with limited income and resources that helps lower Medicare drug plan costs (like premiums, deductibles, and coinsurance). paying your Medicare drug coverage costs. Look for specific plan costs.
A new prescription drug law that went into effect January 1, 2023, will help save money for people with Medicare. This law improves access to affordable treatments and strengthens the Medicare program. Here’s what the law means for you:
New in 2025, your out-of-pocket costs for covered drugs are capped at $2,000. The cap only applies to drugs covered by your Part D plan, so review your plan to make sure your drugs are covered. Learn About the Cap.
All plans must cover a wide range of prescription drugs that people with Medicare take, including most drugs in certain protected classes,” like drugs to treat cancer, HIV/AIDS, or depression. A plan’s list of covered drugs is called a “formulary,” and each plan has its own formulary.
Get help from your state paying your Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) premiums through a Medicare Savings Program. If you qualify, Medicare Savings Programs might also pay your Part A and Part B deductibles, coinsurance, and copayments.
Compare Medicare drug plans to find a plan with lower drug costs. Check if the company that makes your drug offers help paying for it. Find out if your state offers help with drug costs. Ask your doctor if you can take a generic drug, or a cheaper brand-name drug (if one’s available).
Find Medicare health and drug plans in your area and compare costs. To get started enter a ZIP code or log in.
How you get Medicare drug coverage depends on if you keep Original Medicare (which includes Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance)) or choose to join a Medicare Advantage Plan (or other Medicare health plan) with drug coverage.