Different formularies
Each Part D plan has its own formulary — the list of drugs it covers and how much they cost.
Prescription drug plans
Medicare Prescription Drug Plans (Part D)
AltaMedicare is an independent Medicare agency in Alpine, Utah, founded by Bret Swope, a licensed Medicare agent. We provide educational, no-pressure help comparing Medicare Advantage, Medigap (Medicare Supplement), and Part D at no cost, serving the entire state of Utah. Call or text (435) 292-5548.
The right Part D plan can save you hundreds — or thousands — per year. Here’s how they work and how we shop for the best one for you.
- Compare plan options
- Potential savings
- Local, independent guidance
The basics
How Part D Works
Medicare Part D is prescription drug coverage offered by private insurers. You can get Part D two ways:
Standalone Part D planpaired with Original Medicare or a Medicare Supplement
Built into a Medicare Advantage plancalled a Medicare Advantage Prescription Drug (MAPD) plan
Why it matters
Why Plan Choice Matters So Much
Different costs
The same medication can cost $4 on one plan and $140 on another. The right plan for you depends entirely on which specific drugs you take.
Pharmacies Matter Too
Part D plans have preferred pharmacies that offer the lowest copays, and standard pharmacies that cost more. Many plans also have lower-cost mail-order options for maintenance medications. Where you fill matters as much as which plan you pick.
Local guidance helps
That’s why we always start by reviewing your medications before recommending anything. There’s no “best” Part D plan in general — only the best one for your specific drug list.
2026 updates
2026 Part D Changes
$35 Insulin Cap
Insulin costs covered by Medicare are capped at $35 per month per prescription. No deductible applies to insulin.
Medicare Prescription Payment Plan
You can choose to spread your annual prescription costs across monthly payments instead of paying a large bill at the pharmacy counter. Helpful if you have a high-cost specialty drug.
New for 2026
$2,000 Out-of-Pocket Cap
The most important recent change: there’s now an annual cap on what you pay out-of-pocket for prescription drugs covered by Part D. Once you hit it, your covered drugs are $0 for the rest of the year. For people on expensive medications, this is a major change.
Lower your costs
Extra Help / Low Income Subsidy
If your income is below certain thresholds, you may qualify for Extra Help — a federal program that drastically lowers your Part D costs. Many people who qualify don’t know it. We can help you check.
Free prescription review.
Send us your medication list and we’ll tell you whether your current plan is your best option. No obligation. Start your prescription review →
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