Medicare Part D drug plans in WA & FL

Medicare Part D is prescription drug coverage sold by private insurers approved by Medicare. You can get it as a standalone plan alongside Original Medicare, or built into a Medicare Advantage plan. Each Part D plan has its own list of covered drugs (a formulary), pharmacy network, and cost tiers, so the best plan is the one that covers your specific medications for the lowest total cost. Maru is a licensed independent agency that compares the Part D plans available to you.

How Part D works

Part D plans group covered drugs into tiers with different copays, and each plan publishes its own formulary. Plans can change their formularies and prices each year, which is why an annual review matters. There is also a late-enrollment penalty if you go without creditable drug coverage after you are first eligible, so enrolling on time protects you from lasting surcharges.

Enrollment and timing

You can join a Part D plan during your Initial Enrollment Period around age 65 and change plans during the Annual Enrollment Period each fall (October 15 to December 7). Enrollment may be limited to these windows. We help you review your drug list each year so your plan still fits.

Frequently asked questions

Vadim — Maru Insurance
Licensed independent insurance agent · WA & FL
Written and reviewed by a licensed Maru advisor. Maru Insurance is an independent agency (WA License WAOIC #1365574, FL License #G363233) representing multiple A-rated carriers across Washington and Florida.