Compare Medicare Part D prescription drug plans
Medicare Part D Prescription Drug plans from UnitedHealthcare
Original Medicare doesn’t cover prescription drugs. Medicare Part D prescription drug plans are available from private insurance companies like UnitedHealthcare. When you become eligible for Medicare benefits, you will need to have “creditable coverage” to avoid paying a penalty later.
You can choose from a number of Medicare Part D prescription drug plans depending where you live. Plans may have different coverage levels, premiums, deductibles and copays. If you’re shopping for a Medicare prescription drug plan, compare plan coverage and costs to decide which may be best for you.
Medicare Part D prescription drug plans from UnitedHealthcare
| Service area | National + US Territories
|
National |
|---|---|---|
| Choose this plan if | you want our most extensive drug coverage and access to a broad pharmacy network |
you receive Extra Help from Medicare or want a robust pharmacy network |
| Annual deductible | $0 1 |
$590 |
| Drug list | Premium |
Standard |
| Pharmacy network | 65k+ network pharmacies |
65k+ network pharmacies |
| Preferred Retail Network | Use a Preferred Retail Network pharmacy to get your plan's lowest cost-shares2 |
Use a Preferred Retail Network pharmacy to get your plan’s lowest cost-shares)2 |
| Optum® Home Delivery Pharmacy | $0 copay for a 90-day supply of Tier 1 and Tier 2 medication (typically generic drugs)3 |
$6 copay for a 90-day supply of Tier 1 medication (typically generic drugs)3 |
How to choose a Medicare prescription drug plan that fits your needs
Finding a Medicare prescription drug plan can feel confusing at first. Asking yourself a few questions about how you'll use the plan may help you make a more confident choice.
Use the questions below as a starting point, take some notes, and use the links above to help with your decision.
Cost:
- Will the plan's monthly premium and annual deductible fit your budget?
- What are the plan's initial coverage and out-of-pocket limits?
- Do you need to stay within a budget? If yes, find plans with no deductible or a low deductible, and cost-shares for prescription drugs that fit your budget.
Drug list (formulary):
- Which prescription drugs do you take? Find your medications on the plan's formulary (the list of drugs covered by the plan) to compare costs.
- Do you take brand-name drugs? Or would you consider switching to a generic drug on a lower tier to help lower your costs?
- How much do your drugs cost now? What would they cost under a new plan?
Pharmacies:
- Does the plan include a pharmacy network? Is your local pharmacy included?
- Are you willing to use a mail order pharmacy?
Medicare prescription drug plan or Medicare Advantage prescription drug plan?
You need prescription drug coverage, but do you need other health care benefits, too? You might be deciding between a Medicare Part D prescription drug plan and a Medicare Advantage plan with prescription drug coverage.
Medicare Part D prescription drug plan
Original Medicare Part A and Part B don't include prescription drug coverage. A Medicare Part D prescription drug plan helps cover the costs of medication. If you have Original Medicare coverage and only need to add prescription drug coverage, consider a UnitedHealthcare Part D plan. These plans can help you save money and provide greater peace of mind. Each plan includes commonly used generic and brand-name prescription drugs, and has slightly different coverage and drug lists.
Medicare Advantage plan with prescription drug coverage
If you're looking for more complete coverage, there's an all-in-one option. Many Medicare Advantage (Part C) plans include prescription drug coverage and offer more benefits than Original Medicare. A Medicare Advantage plan provides doctor, hospital and prescription drug coverage.
Medicare Advantage plans may include:
- Low or no monthly plan premium1
- Prescription drug coverage for thousands of brand-name and generic drugs
- Low drug copays with Optum® Home Delivery Pharmacy3
- Set copays and yearly limits to out-of-pocket spending
- Routine dental, hearing and vision coverage
- Coverage for fitness benefits and wellness programs
- Urgent care and worldwide emergency coverage
Remember: Medicare Advantage plans with drug coverage and Medicare prescription drug plans cover a certain set of prescription drugs. Before enrolling, be sure to check each plan's drug list (formulary) to see if your medications are covered. If you already have prescription drug coverage, make sure your prescriptions are covered next year, too.
UnitedHealthcare Part D information and tools
To make it easier to find the plan you need, UnitedHealthcare provides information and tools to help you get informed before you choose.
Get help choosing
Answer a few basic questions, and UnitedHealthcare will give you plan recommendations.
Medicare prescription drug plans
Learn the basics of how Part D prescription drug plans work.
Medicare Part D late enrollment penalty
If you lose employer coverage, you have only a short time to choose a Part D plan without paying a penalty.
Supporting you through your Medicare journey
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Footnotes
Benefits, features and/or devices may vary by plan/area. Limitations, exclusions and/or network restrictions may apply.
Not all plans available in all areas.
1 Preferred plans in U.S. Territories have a $590 deductible and 25% coinsurance for tiers 1–5.
2 AARP® Medicare Rx Preferred from UHC (PDP)’s and AARP® Medicare Rx Saver from UHC (PDP)’s pharmacy network includes limited lower-cost pharmacies in rural AK, MT, NE, ND, SD and WY. There are an extremely limited number of preferred cost share pharmacies in suburban MT. The lower costs advertised in our plan materials for these pharmacies may not be available at the pharmacy you use. For up-to-date information about our network pharmacies, including whether there are any lower-cost preferred pharmacies in your area, please call us or consult the online pharmacy directory.
3 Optum® Home Delivery Pharmacy is not available for the AARP Medicare Rx Preferred from UHC (PDP) plan in the following territories: Guam, American Samoa, U.S. Virgin Islands or Northern Mariana Islands.
$0 copay may be restricted to particular tiers, preferred medications, or home delivery prescriptions during the Initial Coverage stage and may not apply during the Catastrophic Coverage stage. Optum® Home Delivery Pharmacy and Optum Rx are affiliates of UnitedHealthcare Insurance Company. You are not required to use Optum Home Delivery Pharmacy for a 90-/100-day supply of your maintenance medication. If you have not used Optum Home Delivery Pharmacy, you must approve the first prescription order sent directly from your doctor before it can be filled. Contact Optum Home Delivery Pharmacy any time at 1-888-658-0539 / TTY 711.