Supplemental Plans
Advantage Plans
Rx Plans
Part D Plan Guide
If you currently have an Rx Plan watch the video below regarding the changes for 2026 and your options, then follow the instructions below the video if you would like to make changes.
Steps to Changing Your Plan
Follow the simple steps below to compare and enroll in a new Rx Plan using Medicare.gov. If you would like some help navigating the site, you can review these step-by-step instructions.
- Go to Medicare.gov and click Find Plans.
- Enter your ZIP code.
- Add your prescriptions.
- Select your pharmacies.
- Review plans (sort by Lowest drug + premium cost).
- Click Enroll on the plan you want.
- Enter your information and submit.
Please Note: The #1 Lowest-Cost Plan for you will be at the top – these plans have all been vetted by us and we recommend them frequently.
That's it! Your new plan will begin automatically on January 1. Your old plan will automatically be canceled, you do not need to do anything to cancel it. You will receive a card for your new plan in about 2-3 weeks.
Need Help with Your Part D Plan?
Join our Daily PDP Live Event
Every weekday at 2 p.m. CST, we are going live to walk you through exactly how to use our self-enrollment platform, how to compare plans, and, if you bring your medications, provide a recommendation.
Please Note: during the Annual Enrollment Period, we will not be able to provide one-on-one appointments for Part D Plans. Joining our Live Event is the best way we can support you in having the right coverage for 2026.
Frequently Asked Questions
Click on a question below and the answer to the question will show.
If I'm happy with my coverage, do I need to do anything?
No, if you’re satisfied with your coverage and haven’t received a notice that your plan is ending, you don’t need to take any action. Your plan will automatically renew for next year, and everything will continue according to the upcoming years summary of benefits. You will receive an annual notice of change outlining any plan changes.
When can I switch Medicare Prescription Drug (Part D) plans?
You can switch Part D plans during the Annual Enrollment Period (AEP), which runs from October 15 to December 7 each year. Your new plan will start on January 1 of the following year. You may also qualify for a Special Enrollment Period (SEP) in certain situations, such as moving to a new area or losing other drug coverage.
How do I switch from one Part D plan to another?
To switch, simply enroll in a new Part D plan during the applicable enrollment period. Your enrollment in the new plan will automatically disenroll you from your current Part D plan once the new plan starts. You can compare plans and enroll through our website here or by contacting the plan provider directly.
Will you help me personally change Rx plans?
We would LOVE to. Unfortunately, it is simply not economically feasible due to the government and insurance companies pushing any compensation on these plans down to zero in most cases. We would need to hire & train a 400% increase in staff to do this “free work,” which would put us out of business quickly. Following the above process we have used for years seems to be working out nicely for our clients.
What should I consider when switching Part D plans?
Consider the following when switching plans:
- Formulary: Does the plan cover your current medications?
- Costs: Compare monthly premiums, deductibles, and copayments for your prescriptions.
- Pharmacy network: Make sure your preferred pharmacy is in-network to avoid higher costs.
Primarily though, look at the total annual estimated cost. The lowest is most often the correct plan.
Can I switch plans if my medications are no longer covered by my current plan?
Yes, if your current Part D plan no longer covers your medications or increases the costs significantly, you can switch plans during the Annual Enrollment Period. You can apply for a formulary exception for the plan as well.
What happens if I don’t switch Part D plans during the Annual Enrollment Period?
If you don’t switch during the Annual Enrollment Period, you’ll be automatically re-enrolled in your current plan for the next year. Be sure to review your plan’s changes for the upcoming year to ensure it still meets your needs.
Will switching Part D plans affect my current prescriptions?
Switching plans may affect the cost and coverage of your prescriptions, as each Part D plan has its own formulary (list of covered drugs). Before switching, verify that your medications are covered under the new plan and check the costs associated with them.
What if I want to switch from a standalone Part D plan to a Medicare Advantage plan with drug coverage?
You can switch from a standalone Part D plan to a Medicare Advantage Prescription Drug (MAPD) plan during the Annual Enrollment Period. Once you enroll in the MAPD plan, it will automatically cancel your standalone Part D plan.
Not what you are looking to do?
See the list of other AEP guides below: