Medicare Part D is Medicare’s prescription drug coverage. It’s offered through private insurance companies approved by Medicare, and you can get it in two ways: as a standalone Part D plan alongside Original Medicare (Part A and Part B), or built into many Medicare Advantage (Part C) plans.
Part D plans aren’t one-size-fits-all. Each plan has its own drug list (formulary), pharmacy network, tiers, copays, and rules like prior authorization or quantity limits. Costs can also change year to year, so a plan that worked great last year may not be the best fit now, especially if your medications change.
Below, you’ll find ToniSays.com articles and resources that break down Medicare Part D down into plain English, step-by-step, so you can compare plans confidently, understand your costs, and avoid common enrollment mistakes and penalties.
READ: What Is Medicare? 2026 Beginner’s Guide to Understanding Your Coverage Options
Medicare Part D problem began with a notice from CMS Hello Toni, I delayed enrolling in Medicare Part B because I was working with employer benefits. Recently I turned 70 and am retiring effective Jan. 1. I have enrolled in a Medicare Supplement Plan G and Part D...
Are clinical trial prescriptions covered by Medicare? Dear Toni, I turn 65 in April, am covered under my wife’s employer’s health insurance and am fighting liver cancer. I am participating in a clinical trial for a cancer medication which costs over $12,000 per month...
2026 Medicare deductibles and premiums are released! Hello Toni: In the new Medicare & You Handbook that I received about a month ago, I cannot find what the 2026 Medicare costs and premiums will be. I would like to know this information because I have been...
Help! My brand-name prescription drug is not covered by Medicare’s 2026 Part D plans? Hello, Toni: You helped me sign up for a Medicare Supplement Plan G and a Medicare Part D prescription drug plan; both plans started January 2021. These two plans have served me well...
Is America ready for the changes to 2026 Medicare Part D plans? Toni: Currently, I am on a stand-alone Part D plan with a Medicare Supplement plan G because of my serious health issues. Last week, I received information about the changes to the 2026 Medicare Part D...
Why am I receiving a Part D penalty? Hello Toni: When I turned 65 in May 2024, I continued to work full-time with a health savings account HSA as my employer benefits and use GoodRX to cover prescriptions. My employer’s human resources manager advised me to enroll in...
Does Amazon’s “RxPass” qualify as a Medicare Part D Plan? Hello Toni: In September, I turn 65 with my Medicare beginning Sept. 1. I recently read your article from Greg in Texas who had received wrong information about enrolling in Medicare when self-employed. I am...
Why am I paying more for my 2025 Part D premium!! Dear Toni: In December 2016, you assisted me and my husband Gary in leaving my employer’s benefits. We enrolled into Medicare Part B with a Medicare Supplement and Part D prescription drug plan with all beginning...
2025 Part D plan does not cover my expensive insulin brand…What do I do? Toni: In 2022, the Toni Says Medicare team enrolled me in Medicare with Medicare Supplement and Medicare Part D plan including my prescriptions that had co-pay only. When I looked online at...
I received a 250% premium increase on my 2025 Part D plan...Help!! Toni: I received my new 2025 Part D premium with the plan increase going up by 250% from $25.00 a month to over $60.00. I was informed that my diabetic insulin and one of my high blood pressure...
