Medicare Part D Enrollment
We understand that enrolling in Medicare Part D can be intimidating and confusing. Don’t worry, GoMedigap’s here to help. We have put together a step-by-step guide on how to find, compare, and enroll in the best Part D plan for you.
This guide will help those who are searching for a Part D plan for the first time, as well as those who are reviewing their Part D plan before Annual Open Enrollment (AEP).
Please keep in mind that the new plans for the upcoming year are not usually available to view online until October 1st, and you will be able to sign up for a new RX plan on October 15.
We recommend for everyone to review their Part D coverage every year since Part D plans often change benefits each year. Even if your medication needs do not change, your existing plan can, and often does, change each year so it’s possible to save money on a different plan.
Let’s get started!
Guide to Finding & Enrolling in the Right Part D Plan
- Visit https://www.medicare.gov/find-a-plan/questions/home.aspx to access the Medicare Plan Finder. [Before you get started, it is helpful to have the following information ready:
Medicare card, zip code, list of prescription drugs (including dosage and amount), and the pharmacies you use.]
- We recommend doing the General Search. Enter your zip code and click the “Find Plans” button when you are done with this step.
- If you choose to do the General Search, you will also be asked to answer the following questions. We recommend choosing Original Medicare and I don’t get any Extra Help.
- Enter your drugs on the next page. Select the proper dosage, quantity, and frequency of the drugs you take. Specify if you receive your medicine from a retail pharmacy or mail order pharmacy.Click the “My Drug List is Complete” button once you have finished your drug list.[Please note that the Medicare Plan Finder does NOT show pricing for over-the-counter drugs or diabetic supplies, such as test strips, lancets, and needles. Also, Part D drug plans may not cover certain medications such as thyroid medication.]
- If you are entering drugs for the first time, a new Drug List ID will be generated with the first drug with current date as the default password.In the “Retrieve My Saved Drug List” section, write down and save your Drug List ID, Password Date, and Zip code so that you can access your Drug List in the future.
- Next, you will see pharmacies that are available in the zip code you entered in Step 2. Select up to 2 pharmacies by clicking the “Add Pharmacy” under the pharmacy of your choice. Click “Continue to Plan Results” to move to the next step.[Keep in mind that if you select a pharmacy that is NOT in the plan’s network, then the Medicare Plan Finder will display out-of-network prices in your results.]
- The next step is to refine your plan results. On this page, you will see a summary of the types of plans available in your zip code and filters to help you narrow your search results.Click any filters you want to apply to your plan, such as limiting your monthly premium, and then select Prescription Drug Plans (with Original Medicare). After that, click the “Continue to Plan Results” button to move forward.
- Next, you will see your plan results, which show an overview of the plans that meet your specifications from the previous step.You can view each plan’s estimated costs, coverage, restrictions, and quality ratings. Compare up to 3 plans that you are interested in.
- If you know which plan you would like to join, click the “Enroll” button on the far right column. You can also contact the plan you are interested in to ask questions or enroll in the plan.
- If you would like help entering your prescriptions into the Prescription Drug Plan Finder tool, please call us at (866) 894-3258! A GoMedigap agent would be glad to help you use the tool to determine which plan makes the most sense for you, free of charge as always!
Please note the only way to obtain a Part D policy is through Medicare. Enroll by calling 1-800-MEDICARE (1-800-633-4227) or online at Medicare.gov.