Why your drug list matters
Every Part D plan has a formulary, the list of drugs it covers, grouped into tiers that set what you pay. The same medication can cost very different amounts from one plan to the next, and plans can change their lists and prices each year.
What Kesha reviews
- Every prescription, dose, and how often you fill it
- Your preferred pharmacy and mail-order options
- Deductibles, copays, and coinsurance by drug tier
- Prior authorization or step therapy rules
- The plan's yearly out-of-pocket cap on covered drugs
Avoiding the late enrollment penalty
If you go 63 days or more in a row without Part D or other creditable drug coverage after your Initial Enrollment Period ends, you may owe a late enrollment penalty for as long as you have Medicare drug coverage. Kesha helps you enroll on time, even if you take few medications today.
Review it every fall
Drug plans change their costs and covered drugs every year. Comparing your plan during Open Enrollment, October 15 to December 7, is one of the simplest ways to avoid surprises in January.
Frequently asked questions about Prescription Drug Plans
Do I need Part D if I don't take any medications?
Many people enroll anyway to avoid a late enrollment penalty later. Kesha can explain your options and low-premium plans.
Can Kesha check if my medications are covered?
Yes. Share your list of prescriptions and doses, and Kesha will compare how each available plan covers them.
When can I change my drug plan?
Most people can change during Open Enrollment, October 15 to December 7. Some life events create a Special Enrollment Period.
Plan availability, benefits, and costs vary by county and company. Kesha will confirm what is available at your ZIP code. For information on all of your options, contact Medicare.gov or 1-800-MEDICARE.
