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 Changes 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:
$2,100 Annual Out-of-Pocket Cap
You won't pay more than $2,100 out-of-pocket for your covered Medicare Part D prescription drugs for the entire year. Once you reach this cap, your drugs are 100% covered.
*Note: The $2,100 limit reflects 2026 guidelines. The official 2027 cap amount will be released closer to the Annual Enrollment Period.
No More "Donut Hole"
The confusing "coverage gap" (donut hole) remains completely eliminated. This keeps your copays predictable and steady throughout the year with fewer pharmacy surprises.
Spread Out Payments
High drug costs early in the year? The Medicare Prescription Payment Plan allows you to opt into spreading out your out-of-pocket prescription expenses across 12 monthly installments.
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."
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