Your Medicare Plan Doesn't Stay the Same Just Because You Do.
Every year, Medicare Part D plans can change their monthly premiums, deductibles, drug formularies, pharmacy networks, and out-of-pocket costs.
So even if you love your current plan, it's vital to check what it will look like next year. The good news? You have straightforward options to check it.
Prescription Plan Review
Comparing your medications, pharmacies, and out-of-pocket costs.
Key Part D Change You Should Know
The Inflation Reduction Act introduced major consumer protections for seniors on Medicare Part D. Here is how your plan works next year:
The Annual Out-of-Pocket Cap
You won't pay more than $2,400 out-of-pocket for your covered Medicare Part D prescription drugs for the entire year. Once you reach this cap, your covered drugs are 100% paid for by your plan.
Note: The $2,400 limit reflects the official 2027 cap amount set by the Inflation Reduction Act.
You Have Options on How to Review
We've made your Part D review easier. You can review plans yourself for free, or let an automated service handle the tedious homework for you.
Do It Yourself
Compare Medicare Part D plans for free using Medicare's official Plan Finder online tool.
Best for:
Seniors comfortable entering their medications, comparing plans and pharmacies manually, and making their own choice online.
Let HeyMOE Do the Work
Don't want to do the tedious homework? HeyMOE automatically compares Medicare Part D plans using your medications and preferred pharmacy.
Why Seniors Love It:
"Think of it as having someone do the homework while you get the report card."
Join Our Free Weekly Webinar
We host weekly Zoom sessions to guide you through the 2027 changes and the self-enrollment process. You can also skip ahead to our FAQ section to find quick answers. We'll walk you through everything you need to feel confident picking your own drug plan. You'll learn:
- How Medicare Part D drug plans work
- What happens if you don’t take any medications?
- Why can agents no longer be licensed or have access with Medicare drug plans
- How to compare plans based on your medications
- How to look at the 2027 Medicare drug plans
- What to look for in your Annual Notice of Change (ANOC)
- How to find the lowest-cost plan for your prescriptions and your pharmacy
- Common mistakes people make when they enroll
Our goal is simple: we want you to feel ready to choose a drug plan on your own.
Which Option Is Right For You?
| Feature | Do It Yourself | Let HeyMOE Do It |
|---|---|---|
| Cost | FREE | $30 / year |
| Compare Part D Plans | ||
| Enter Your Medications | You do it manually | You do it once |
| Compare Local Pharmacies | You compare manually | Automatic |
| Look for Lower-Cost Alternatives | You check yourself | Automatic |
| Annual Open Enrollment Reminders | You manage it | Automatic |
Direct Carrier Enrollment Options
If you already know which carrier you want, you can also enroll directly through the official carrier portals below:
Aetna
Part DWellcare
Part DCigna / HealthSpring
Part DHumana
Part DHorizon
Part DUnited Health Care
Part DWe Still Help With Your Medicare Supplement Plans!
While individualized Part D prescription comparisons are now handled via Medicare.gov or HeyMOE, our team remains 100% dedicated to helping you review, optimize, and select your Medicare Supplement (Medigap) and Core Medicare Coverage.
We are always here to make sure your overall health benefits and doctor networks remain solid and stress-free.
How We Continue Assisting You:
- Medicare Supplement (Medigap) Rate Reviews
- Understanding Plan Changes & Options
- Independent, Friendly Guidance
Frequently Asked Questions
What is open enrollment?
When will the NEW prescription drug plan pricing and information be available?
After I choose my prescription drug plan for 2027, when can I enroll?
How will I know if my current plan is right for me?
What happens if I do not change my prescription plan?
Can my medications be covered differently next year?
Why do I need to do my own prescription review this year?
The Medicare Part D program has undergone major changes in recent years, particularly because of the Inflation Reduction Act. These changes include redesigning the Part D benefit, eliminating the old coverage gap, limiting members' annual out-of-pocket drug costs, changing how catastrophic drug costs are shared, and creating new manufacturer payment responsibilities.
As a result, drug plan companies have had to take on more financial responsibility and have had to rework how they price and manage their plans. Because the Part D marketplace changed, carriers reevaluated their distribution and agent relationships, and our office is no longer appointed with the Part D carriers for 2027.