Clarity, Coverage & Care —One Prescription at a Time

Prescription Drug Plans (Part D)

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Prescription drugs are essential for your health—but understanding how Medicare Part D works can be overwhelming. That’s where I come in.

I help you choose a plan that makes sense, fits your medications and budget, and avoids unnecessary surprises.

Let's Meet

What Is Medicare Part D?

Part D provides coverage for prescription medications. These plans are offered by private insurance companies approved by Medicare and are available in two ways:

Stand-alone drug plans (PDPs) for people with Original Medicare
Drug coverage included in Medicare Advantage plans (MAPDs)

🔗 Learn more about Medicare Part D from Medicare.gov

What Do Part D Plans Cover?

Each plan has its own list of covered drugs, called a formulary, which includes:

Generic and brand-name medications
Drugs organized by tiers (Tier 1 = lowest cost)
Coverage for medically necessary prescriptions

Most plans must cover at least two drugs in each drug category, but formularies vary—so checking your medications is crucial.

🔗 See what drug plans typically cover here

How I Help You Choose a Part D Plan

This might be a good fit if you:

Prefer lower monthly premiums
Like having extras like dental and vision included
Are comfortable with a provider network (HMO or PPO)
Want prescriptions and medical coverage bundled together
Value convenience and a single card for everything

Let’s find out together.

When Can You Enroll?

Initial Enrollment Period (IEP): When you first become eligible for Medicare
Annual Enrollment Period (AEP): October 15 – December 7 each year
Special Enrollment Periods (SEP): Certain life events qualify you for changes
🔗 Explore enrollment rules on Medicare.gov

What to Know About Using Your Drug Plan

Once you’re enrolled:

You’ll receive a Part D card to use at the pharmacy
You may need to use in-network pharmacies for best pricing
Many plans offer mail-order discounts and 90-day supplies
You may have to meet a deductible before coverage kicks in
Costs may change during the coverage stages.

🔗 Read how to use drug coverage on Medicare.gov

Clients Say…

"I was completely lost trying to understand Medicare. But the moment we spoke, I felt like someone finally got me. Monica explained everything so clearly, and now I feel calm and confident about my coverage."

Linda R., 67 – Fresno, CA

Ready to Talk? Let’s Take the First Step Together.

Let’s make it simple. I’ll help you understand what’s available in your area, what benefits matter most to you, and how to enroll with confidence.

👉 📆 Book a Free Consultation

👉 📩 Send Me Your Questions at monicafiallos@yahoo.com

👉 📞 Call Me Directly at (951) 314‑3258