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A non-government resource for the Medicare community
Powered by Q1Group LLC
A non-government Medicare community resource

 * Menu ☰
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 *  -- 2025 Medicare Part D Information --      Find a 2025 Prescription Only
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   Health/Drug (MAPD) Plan      PDP Plan Change from 2024 to 2025      MA Plan
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 * 2025 Interactive PDP Summaries
 * 2025 Medicare Part D Rx plans
 * Rx plan changes 2024 to 2025
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 * MA plan changes 2024 to 2025
 * Browse any 2025 Drug Formulary
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 * 2025 Medicare & You Guide
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MEDICARE PART D PRESCRIPTION DRUG PLAN & MEDICARE ADVANTAGE PLAN INFORMATION

2025
Medicare Part D plans
(prescription only coverage)

Click your state to compare all Medicare Part D prescription drug plans (PDPs)



AK  AL  AR  AS  AZ  CA  CO  CT  DC  DE  FL  GA  GU  HI  IA  ID  IL  IN  IS  KS 
KY  LA  MA  MD  ME  MI  MN  MO  MS  MT  NC  ND  NE  NH  NJ  NM  NV  NY  OH  OK 
OR  PA  PR  RI  SC  SD  TN  TX  UT  VA  VI  VT  WA  WI  WV  WY



--------------------------------------------------------------------------------

2025
Medicare Advantage plans
(MA, MAPD, SNP, MMP)

Enter your zip code to compare all Medicare Advantage plans







Or click on your state below:
AK  AL  AR  AS  AZ  CA  CO  CT  DC  DE  FL  GA  GU  HI  IA  ID  IL  IN  IS  KS 
KY  LA  MA  MD  ME  MI  MN  MO  MS  MT  NC  ND  NE  NH  NJ  NM  NV  NY  OH  OK 
OR  PA  PR  RI  SC  SD  TN  TX  UT  VA  VI  VT  WA  WI  WV  WY





What are Medicare Part D prescription drug plans and Medicare Advantage plans?

Medicare Part D prescription drug plans (PDPs) provide insurance coverage for
your prescription drugs. Medicare Advantage plans (MAs or MAPDs) provide your
Medicare Part A coverage (In-patient and Hospitalization) and your Medicare Part
B coverage (Doctors visits and Out-Patient care) - and maybe even Medicare
prescription drug coverage.

Medicare Part D plans and Medicare Advantage plans are both voluntary programs
and you are not required to join a plan. But you may be subject to a
late-enrollment penalty if you decide to join a prescription drug plan sometime
after your initial enrollment period has ended.

Medicare Part D plans and Medicare Advantage plans are regulated by the Centers
for Medicare and Medicaid Services (CMS or Medicare) and implemented by private
insurance companies (such as Aetna, Humana, and United HealthCare).

If you decide to enroll in a Medicare Part D plan or Medicare Advantage plan,
you will find that, like any insurance, you pay a monthly premium. The monthly
premiums for a Medicare Part D PDP can range from under $10 to over $156. The
monthly premiums for a Medicare Advantage plan with (MAPD) or without (MA)
prescription coverage can range from $0 (or less) to $313.

Medicare Part D and Medicare Advantage plans may have an initial deductible,
copayments or coinsurance, and some Donut Hole (Doughnut Hole) or Gap coverage
(you can find more on these topics in our Glossary).

When you enroll in a Medicare Part D prescription drug plan or a Medicare
Advantage plan that offers prescription coverage, you should find that your
prescription medication costs are reduced. The amount of savings depends on the
Medicare plan you select. Click on this link to view all of the Medicare Part D
plans in your State.
 * "Where do I start?" FAQ section


Choosing a Medicare Part D or Medicare Advantage plan

Medicare suggests that you look at Coverage, Cost, and Convenience - and to
these criteria we also suggest you consider the Company and your level of
Comfort.
 * Coverage - Are your prescription medications covered by this plan? Are there
   generic alternatives for your brand-name drugs? Can you work with this plan
   to get a formulary exception should you need a medication that is not covered
   on the existing formulary? What cost-sharing applies to your medications?
   What health coverage does the Medicare Advantage plan offer beyond basic
   Medicare? Are there any additional benefits offered by the plan?
   
   
 * Cost - What are the monthly plan premiums? Does the Medicare Part D plan or
   Medicare Advantage plan have an initial deductible? What are the copayments
   or coinsurance that you pay for your medications or healthcare? What are the
   plan's coverage limits? Is there any prescription coverage in the Donut Hole
   in addition to the donut hole discount?   Also see: But isn’t the Coverage
   Gap (Donut Hole) closed?
   
   
 * Convenience - How difficult is it to find a pharmacy or a health care
   provider? (Note: most national Medicare Part D plans have a pharmacy network
   of over 50,000 pharmacies.) Are you restricted to a single healthcare
   network? Do your doctors accept this Medicare Advantage plan? How easy is it
   to work with this Medicare Part D plan or Medicare Advantage plan?
   
   
 * Company - Are you familiar with the company or organization who provides the
   Medicare Part D or Medicare Advantage plan? Often people choose a Medicare
   plan based only the Medicare plan provider's reputation, recommendation, or
   Medicare star ratings.
   
   
 * Comfort - Are you comfortable with your current Medicare Part D plan or
   Medicare Advantage plan? Would you rather spend a few extra dollars per month
   because you know how your current Medicare plan operates and your plan costs
   are predictable?

Still looking for more? Here are some general tips specifically for Medicare
Part D prescription drug plan selection.
 * Choosing a Plan: The Basics


Enrolling into a Medicare Part D plan or Medicare Advantage plan

You can enroll in a stand-alone Medicare Part D Prescription Drug plan or a
Medicare Advantage plan during the Annual Open Enrollment Period (AEP) starting
October 15th and continuing for seven weeks through December 7th. Your newly
selected Medicare plan coverage starts on January 1st of the following year.

You also may be eligible for a Special Enrollment Period (SEP) allowing you to
change Medicare plans outside of the AEP.


 * Read more about Special Enrollment Periods


The Medicare Advantage Open Enrollment Period (MA OEP) for Medicare Advantage
plans begins January 1st and continues through March 31st -- during the MA OEP
current members of Medicare Advantage plans can switch their Medicare Advantage
plan or go back to Original Medicare and join a stand-alone Medicare Part D drug
plan.

If you are just turning 65 or newly eligible for Medicare, you will be granted a
seven (7) month Initial Enrollment Period (IEP) during which you can join a
Medicare Part D or Medicare Advantage plan. The seven month period begins three
months before your Medicare eligibility (or birthday) month, includes your
eligibility month, and continues for three months after your Medicare
eligibility month. However, your Medicare plan can begin no sooner than the
first day of your Medicare eligibility month.


 * Find a Medicare Part D plan
 * Find a Medicare Advantage plan


You always pay the same amount for a Medicare Part D plan or Medicare Advantage
plan, no matter where or how you enroll.

You can enroll directly with Medicare (1-800-Medicare) or with an insurance
agent or the Medicare plan provider. No matter how you enroll in to a Medicare
plan, the enrollment result should always be the same and in 10 business days
you should receive your Medicare Part D new member information.

Once enrolled into a Medicare Part D or Medicare Advantage plan, you can contact
the plan's Member Services department with any questions or concerns. The
toll-free number will be on the back of your Member ID card.


2024 IRMAA: Slight increase in Medicare Part D IRMAA payments for some along
with changes in the IRMAA brackets due to annual inflation adjustments.

Medicare Part D beneficiaries with annual income (MAGI) over $103,000
(individual) or over $206,000 for couples filing joint (see 2024 IRMAA rate
charts) will pay the Medicare Part D Income-Related Monthly Adjustment Amount
(IRMAA) in addition to their monthly Medicare Part D plan premium.
 * IRMAA FAQ section


PDP-Facts.com: 2025 Medicare Part D Prescription Drug Plan (PDP) Summary and
Statistical Information.

Would you like to learn more about 2025 Medicare Part D Prescription Drug Plans?

We have information available for all 2025 Medicare Part D prescription drug
plans across the country. We provide a national overview of all Part D plans and
state specific summaries of the Medicare Part D prescription drug plans in your
area. Here are a few state examples:
 * Florida
 * California
 * Ohio
 * North Carolina
 * Texas
 * New York


The Part D plan summaries are interactive so you can click on any "linked" or
underlined numbers and get a better idea of the actual Part D plan details and
Part D plan changes.


Read the most viewed entries in our Medicare Part D Frequently Asked Questions


 * What is the BIN, PCN, and RxGROUP number for my Medicare Part D prescription
   drug plan?
   Your (1) Member ID number, (2) Rx BIN, (3) PCN, and (4) Group ID (or Rx
   Group) number are the four numbers that uniquely identify you and your
   Medicare Part D prescription drug plan - and these four n . . .
 * What kind of discount can we expect in the Medicare Part D Donut Hole or
   Coverage Gap?
   You will receive a 75% discount on all formulary drugs if you reach the Donut
   Hole or Coverage Gap. Changes coming to the Medicare Part D Donut Hole.
   Spoiler Alert:  In 2025, the Inflation Re . . .
 * What is a Medicare Part D plan?
   Medicare Part D prescription drug plans provide insurance coverage for your
   out-patient prescription drugs - and works just like any other type of
   insurance: (1)  You may pay a monthly premium . . .
 * Are Medicare Advantage plans the same as Medicare Supplements or Medigap
   plans?
   No.  Medicare Advantage plans are not the same as Medicare Supplements or
   Medigap policies. And here are a few key differences between the plans:
   Medigap policy design Medica . . .
 * How do I drop my Medicare Part D prescription drug plan?
   You can drop, disenroll, or cancel your Medicare Part D plan or Medicare
   Advantage plan coverage during the annual Open Enrollment Period - or a
   Special Enrollment Period - or you can be involuntarily disenrolled from your
   plan.



2025
Medicare Advantage plans
(MA, MAPD, SNP, MMP)

Enter your zip code to compare all Medicare Advantage plans







Or click on your state below:
AK  AL  AR  AS  AZ  CA  CO  CT  DC  DE  FL  GA  GU  HI  IA  ID  IL  IN  IS  KS 
KY  LA  MA  MD  ME  MI  MN  MO  MS  MT  NC  ND  NE  NH  NJ  NM  NV  NY  OH  OK 
OR  PA  PR  RI  SC  SD  TN  TX  UT  VA  VI  VT  WA  WI  WV  WY


--------------------------------------------------------------------------------

2025
Medicare Part D plans
(prescription only coverage)

Click your state to compare all Medicare Part D prescription drug plans (PDPs)



AK  AL  AR  AS  AZ  CA  CO  CT  DC  DE  FL  GA  GU  HI  IA  ID  IL  IN  IS  KS 
KY  LA  MA  MD  ME  MI  MN  MO  MS  MT  NC  ND  NE  NH  NJ  NM  NV  NY  OH  OK 
OR  PA  PR  RI  SC  SD  TN  TX  UT  VA  VI  VT  WA  WI  WV  WY





Q1Rx.com Prescription Drug Search Tool

Q1Rx is designed for fast, medication searches and provides plan details,
cost-sharing, and average retail drug price, and drug usage management
information for your covered medication.

With Q1Rx, you can search for a medication different ways and find the coverage
details for all Medicare Part D plans in your state.
 * See if a particular drug is covered by ANY Medicare Part D plan in your
   state. Click here for an example of plans covering 10MG Atorvastatin [generic
   Lipitor] in Texas.
   
   
 * See if a drug is covered by your particular Medicare Advantage plan’s drug
   formulary. Click here for an example of AARP Medicare Advantage plans
   covering 40MG ESOMEPRAZOLE [generic Nexium] in Summit County, Ohio.
   
   
 * Compare drug costs & coverage between two different carriers. Click here for
   an example of how Humana and AARP plans compare for 100MG Quetiapine Fumarate
   [generic Seroquel] in California.
   
   
 * Not sure how to spell the name of your drug? Just type in the first three
   letters and choose from the list of possibilities.
   
   
 * Do you know the NDC (11-digit National Drug Code) for your medication? Just
   type it in, select your state and click on "Search".
   
   
 * Is this all a bit too complicated? No problem, we have a basic drug search
   tool that you can use. Click here for our Basic Drug Search example of all
   PDP plans covering 10MG AMLODIPINE BESYLATE [generic Norvasc] in
   Pennsylvania.

Want to browse all medications on your plan’s formulary (list of covered drugs)?
Our Formulary Browser (Formulary-Browser.com) shows covered drugs along with
their cost-sharing, average retail price and drug usage management.


Read the newest entries in our Medicare Part D Articles


 * Medicare Part D Math 2025: Spending $329 on $12,000 worth of Part D drugs
   will meet the $2,000 annual maximum out-of-pocket spending limit.
   Oct, 22 2024 — Starting in 2025, Medicare Part D beneficiaries enrolled in
   either a stand-alone Medicare Part D prescription drug plan (PDP) or Medicare
   Advantage plan that includes drug coverage (MAPD) with Enhanc . . .
 * Over Six million people can take advantage of a 2025 5-Star Medicare plan and
   can use the 5-Star Special Enrollment period in 2025.
   Oct, 17 2024 — Over 6 million people have access to a 2025 Medicare Advantage
   plan with a 5-Star quality rating - and this means these people will have the
   option of using the 5-Star Special Enrollment Period (SEP) to change to a
   5-Star Medicare plan once during 2025.
 * The 2025 Medicare annual Open Enrollment Period (AEP) begins today, October
   15th and continues through December 7th
   Oct, 15 2024 — The 2025 Medicare Part D and Medicare Advantage plan annual
   Open Enrollment Period (AEP) begins today, October 15th, and continues
   through December 7th. During the next seven weeks, you can add, change, or
   drop your 2025 Medicare Advantage plan or Medicare Part D plan.
 * 2025 Medicare Advantage plan Maximum Out-Of-Pocket (MOOP) limits are changing
   and can reach $9,350 -- with 9.2 million members seeing a MOOP increase from
   $50 to $6,450.
   Oct, 13 2024 — In general, most Medicare Advantage plans have a MOOP under
   $6,750 - with 30% of 2025 Medicare Advantage plans having a MOOP at, or
   below, $4,150. On the higher end, 31% of 2025 Medicare Advantage plans will
   have a MOOP between $6,751 and $9,350.
 * Q1Medicare Top 12 highlights of the 2025 Medicare Advantage plan landscape
   Oct, 12 2024 — The 2025 Medicare Advantage plan information recently released
   by the Centers for Medicare and Medicaid Services shows that Medicare
   beneficiaries can expect to have ample choices of Medicare Advantage plans in
   many areas across the country with continued low monthly premiums.



Medicare Advantage plans

Want to learn a little bit more about MAs?
 * Click here to go to our MA-Finder, the 2025 Medicare Advantage Plan search
   tool.
 * Browse through States and counties to find Medicare Advantage plans available
   in your area.
 * Click here for a short overview of Medicare Advantage plans.
 * Click here for a few frequently asked Medicare Advantage questions (MA-FAQs).

 * Do you have a Medicare Advantage Plan question? Click here to let us know.


Stay Informed with our Medicare Part D Newsletter

Join the thousands of people who receive our Medicare Part D Newsletter.

Our free Newsletter is published on a regular basis and provides details on
various areas of your prescription drug plan coverage. New Medicare
developments, frequently asked questions, and even more complex areas of Part D
coverage are included. We also welcome reader input and suggestions for new
topics. Sign up below. Please note, that we never share your personal
information with other parties.


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2025 Low Income Subsidy (LIS) Benchmark and $0 Premium Plans

If you receive Extra-Help (also known as LIS) or are dual eligible for Medicare
and Medicaid, there are Medicare Prescription Drug plans in your state that will
qualify for the $0 monthly premium. Click below to review our state benchmark
premium article. You can click on the benchmark premium for your state to review
all plans qualifying for the $0 monthly premium.
 * 2025 Low-Income Subsidy Premium Amounts (includes 2024 - 2006 for comparison)


2025 Medicare & You Handbook

Available for download as PDF (in English & Spanish plus archive). For a printed
version of this 128 page document, please telephone Medicare at
(1-800-Medicare).
 * Download the 2025 Medicare and You Handbook


What can we expect from 2025 Medicare Part D plans?

The Centers for Medicare and Medicaid Services (CMS) publishes basic Medicare
Part D benefit parameters that are used as a standard for the design of Medicare
Part D plans offered by Medicare Part D plan providers.

The 2025 CMS standard Medicare Part D plan provides:
 * The standard Initial Deductible: The maximum initial deductible for 2025 is
   $590 (up from $545 in 2024).
   
   
 * The Initial Coverage Limit (ICL): The ICL is eliminated in 2025.
   
   
 * The Coverage Gap (also known as the Donut Hole): In 2025 one of the
   provisions of the Inflation Reduction Act (IRA) is the elimination of the
   Coverage Gap (Donut Hole).   Medicare Part D beneficiaries will stay in the
   Initial Coverage phase until they reach the maximum cap on out-of-pocket
   spending for Part D formulary drugs - RxMOOP - which is set at $2,000 for
   2025.  After reaching the RxMOOP Medicare Part D beneficiaries will have a $0
   copay for all formulary drugs.
   
   
 * The Catastrophic Coverage phase: If your TrOOP (total drug spending) reaches
   the $2,000 RxMOOP, you will have 100% coverage ($0 copay) for the remainder
   of the year.

 * Click here to see a comparison of the 2025, 2024, 2023, 2022, and 2021
   standard CMS Medicare Part D plans.
 * Read more about the 2025 standard Medicare Part D benefits.


PDP-Planner helps you prepare for your out-of-pocket drug costs

Would you like to estimate your budget for prescription drugs in 2025? Use our
free PDP-Planner to plan now for 2025 or review 2024.

You can also use calculators from prior plan years to compare your previous
experiences.   2023 • 2022 • 2021

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Q1 Quick Links
 * Sign-up for our Medicare Part D Newsletter.
 * PDP-Facts: 2025 Medicare Part D plan Facts & Figures
 * 2025 PDP-Finder: Medicare Part D (Drug Only) Plan Finder
 * PDP-Compare: 2024/2025 Medicare Part D plan changes
 * 2025 MA-Finder: Medicare Advantage Plan Finder
 * MA plan changes 2024 to 2025
 * Drug Finder: 2025 Medicare Part D drug search
 * Formulary Browser: View any 2025 Medicare plan's drug list
 * 2025 Browse Drugs By Letter
 * Guide to Consumer Mailings from CMS, Social Security and Plans
 * Out-of-Pocket Cost Calculator
 * Q1Medicare FAQs: Most Read and Newest Questions & Answers
 * Q1Medicare News: Latest Articles
 * 2026 Medicare Part D Reminder Service









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Tips & Disclaimers
 * Q1Medicare®, Q1Rx®, and Q1Group® are registered Service Marks of Q1Group LLC
   and may not be used in any advertising, publicity, or for commercial purposes
   without the express authorization of Q1Group.
 * The Medicare Advantage and Medicare Part D prescription drug plan data on our
   site comes directly from Medicare and is subject to change.
 * Medicare has neither reviewed nor endorsed the information on our site.
 * We provide our Q1Medicare.com site for educational purposes and strive to
   present unbiased and accurate information. However, Q1Medicare is not
   intended as a substitute for your lawyer, doctor, healthcare provider,
   financial advisor, or pharmacist. For more information on your Medicare
   coverage, please be sure to seek legal, medical, pharmaceutical, or financial
   advice from a licensed professional or telephone Medicare at 1-800-633-4227.
 * We are an independent education, research, and technology company. We are not
   affiliated with any Medicare plan, plan carrier, healthcare provider, or
   insurance company. We are not compensated for Medicare plan enrollments. We
   do not sell leads or share your personal information.
 * Benefits, formulary, pharmacy network, provider network, premium and/or
   co-payments/co-insurance may change on January 1 of each year. Our
   PDPCompare.com and MACompare.com provide highlights of annual plan benefit
   changes.
 * The benefit information provided is a brief summary, not a complete
   description of benefits. For more information contact the plan.
 * Limitations, copayments, and restrictions may apply.
 * We make every effort to show all available Medicare Part D or Medicare
   Advantage plans in your service area. However, since our data is provided by
   Medicare, it is possible that this may not be a complete listing of plans
   available in your service area. For a complete listing please contact
   1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days
   a week or consult www.medicare.gov.
   Statement required by Medicare:
   "We do not offer every plan available in your area. Any information we
   provide is limited to those plans we do offer in your area. Please contact
   Medicare.gov or 1-800-MEDICARE to get information on all of your options."
 * When enrolling in a Medicare Advantage plan, you must continue to pay your
   Medicare Part B premium.
 * Medicare beneficiaries with higher incomes may be required to pay both a
   Medicare Part B and Medicare Part D Income Related Monthly Adjustment Amount
   (IRMAA). Read more on IRMAA.
 * Medicare Advantage plans that include prescription drug coverage (MAPDs) are
   considered Medicare Part D plans and members with higher incomes may be
   subject to the Medicare Part D Income Related Monthly Adjustment Amount
   (IRMAA), just as members in stand-alone Part D plans. In certain situations,
   you can appeal IRMAA.
 * You must be enrolled in both Medicare Part A and Part B to enroll in a
   Medicare Advantage plan. Members may enroll in a Medicare Advantage plan only
   during specific times of the year. Contact the Medicare plan for more
   information.
 * If you are enrolled in a Medicare plan with Part D prescription drug
   coverage, you may be eligible for financial Extra Help to assist with the
   payment of your prescription drug premiums and drug purchases. To see if you
   qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users
   should call 1-877-486-2048, 24 hours a day/ 7 days a week or consult
   www.medicare.gov; the Social Security Office at 1-800-772-1213 between 7 a.m.
   and 7 p.m., Monday through Friday. TTY users should call, 1-800-325-0778; or
   your state Medicaid Office.
 * Medicare evaluates plans based on a 5-Star rating system. Star Ratings are
   calculated each year and may change from one year to the next.
 * A Medicare Advantage Private Fee-for-Service plan (PFFS) is not a Medicare
   supplement plan. Providers who do not contract with the plan are not required
   to see you except in an emergency.
 * Disclaimer for Institutional Special Needs Plan (SNP): This plan is available
   to anyone with Medicare who meets the Skilled Nursing Facility (SNF) level of
   care and resides in a nursing home.
 * Disclaimer for Dual Eligible (Medicare/Medicaid) Special Needs Plan (SNP):
   This plan is available to anyone who has both Medical Assistance from the
   State and Medicare. Premiums, co-pays, co-insurance, and deductibles may vary
   based on the level of Extra Help you receive. Please contact the plan for
   further details.
 * Disclaimer for Chronic Condition Special Needs Plan (SNP): This plan is
   available to anyone with Medicare who has been diagnosed with the plan
   specific Chronic Condition.
 * Medicare MSA Plans combine a high deductible Medicare Advantage Plan and a
   trust or custodial savings account (as defined and/or approved by the IRS).
   The plan deposits money from Medicare into the account. You can use this
   money to pay for your health care costs, but only Medicare-covered expenses
   count toward your deductible. The amount deposited is usually less than your
   deductible amount, so you generally have to pay out-of-pocket before your
   coverage begins.
 * Medicare MSA Plans do not cover prescription drugs. If you join a Medicare
   MSA Plan, you can also join any separate (stand-alone) Medicare Part D
   prescription drug plan
 * There are additional restrictions to join an MSA plan, and enrollment is
   generally for a full calendar year unless you meet certain exceptions. Those
   who disenroll during the calendar year will owe a portion of the account
   deposit back to the plan. Contact the plan provider for additional
   information.
 * Medicare beneficiaries may enroll through the CMS Medicare Online Enrollment
   Center located at www.medicare.gov.
 * Medicare beneficiaries can file a complaint with the Centers for Medicare &
   Medicaid Services by calling 1-800-MEDICARE 24 hours a day/7 days or using
   the medicare.gov site. Beneficiaries can appoint a representative by
   submitting CMS Form-1696.







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