Medicare Part D

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