rx drug search tool
Search and see if your drugs are covered & enroll. We get a referral fee and are not your agent. Check with us if we represent the plan you want.
Donut Hole
Donut Hole Chart Updated Annually
Medicare Rx Brochure # 11109
Medicare Rx Brochure # 11109
Donut Hole - Coverage Gap
View Medicare Publication on closing the donut hole 11493
Medicare & You Part D Explanations
Medicare & You – Part D Explanations

Medicare Part D Prescriptions – is practically mandatory.  If you don’t have coverage when you are supposed to your premium is increased  when you eventually do.  Many Part D  plans cover the gap or donut hole, (Brand Name 50% Discount) just be sure to read the illustrations, brochures and drug formularies, on or through our website.  Medicare Advantage plans generally include prescription drug coverage, including both brand-name and generic at participating pharmacies in your area.   Check out your guide to Medicare Rx Coverage #11109,  Medicare & You #10050 or these companies webpages for more details, coverage and premiums.   Blue Cross ♦  AARP – Part D Rx  ♦  Blue Shield

The Annual Open Enrollment (AEP) is from October 15th to December 7 and then your coverage will begin January 1 (Medicare FAQ.)  If you’ve just turned 65, you’re eligible now!email us or review this website for details.  If you have a Medicare Advantage Plan, with or without Rx coverage and you sign up for Part D coverage, you WILL be dropped from the Medicare Advantage plan! cahealthadvocates.org  You may sign up right through our site, for Part D Rx, a Medicare Advantage Plan or a Medi-Gap – Supplement Plan.


Is my Rx on the approved list – formulary, how do I get an exception?

2 Ways to Get Medicare Drug Coverage

How does a Prescription Drug Plan work with a Medicare Advantage Plan?  4 pages  Publication # 11135

When Can You Join a Medicare Drug Plan?

How to Join a Medicare Drug Plan

How to Switch Your Medicare Drug Plan

How to Drop Your Medicare Drug Plan

What You Pay for Medicare Drug Coverage

Costs in the Part D Coverage Gap

What Is the Part D Late Enrollment Penalty?

How much is the Part D Penalty?

What Part D Plans Cover

Drug Plan Coverage Rules

Fill a Prescription Before You Get Your Plan Card

How Other Insurance & Programs Work With Part D

MTM Medication Therapy Management Programs for Complex Health Needs – Humana

Blue Cross




medicare.gov Part D Index

More FAQ’s
Medicare Site

Consumer Resources

CA Health Care Advocates on Part D


cal medicare.org

Wiki Pedia

Blue Cross Anthem

Veteran’s Information

Medicare Plan Finder  (Medicare.Gov)

Be careful using the Government’s Calculator   Double check the results on the specific insurance companies website.

Do not enroll on the Governments site,  send us your results and we can enroll you.

InsureMeKevin.com on figuring all this out, even with mandatory agent training Rev 8.2015

Research & Technical Resources



Medicare Prescription Drug, Improvement and Modernization Act of 2003 416 Page pdf gpo.gov


2017 Announcements 250 pages


There are 5 Medicare Plan Finder lessons that provide a step by step overview on how to complete a plan search, compare plans, and enroll in one that best meets your needs. Lesson 1 (of 5) will cover the importance of having certain information at hand before you begin a plan search, and things to consider when using the Medicare Plan Finder

  Medicare Made Clear.com video

Part D—Voluntary Prescription Drug Benefit Program

Subpart 1—Part D Eligible Individuals and Prescription Drug Benefits

Sec. 1860D-1. Eligibility, enrollment, and information

Sec. 1860D-2. Prescription drug benefits

Sec. 1860D-3. Access to a choice of qualified prescription drug coverage

Sec. 1860D-4. Beneficiary protections for qualified prescription drug coverage

Subpart 2—Prescription Drug Plans; PDP Sponsors; Financing

Sec. 1860D-11. PDP regions; submission of bids; plan approval

Sec. 1860D-12. Requirements for and contracts with prescription drug plan (PDP) sponsors

Sec. 1860D-13. Premiums; late enrollment penalty

Sec. 1860D-14. Premium and cost-sharing subsidies for low-income individuals

Sec. 1860D-14A. Medicare coverage gap discount program

Sec. 1860D-15. Subsidies for Part D eligible individuals for qualified prescription drug coverage

Sec. 1860D-16. Medicare prescription drug account in the federal supplementary medical insurance trust fund

Subpart 3—Application to Medicare Advantage Program and Treatment of Employer-Sponsored Programs and Other Prescription Drug Plans

Sec. 1860D-21. Application to medicare advantage program and related managed care programs

Sec. 1860D-22. Special rules for employer-sponsored programs

Sec. 1860D-23. State pharmaceutical assistance programs

Sec. 1860D-24. Coordination requirements for plans providing prescription drug coverage


Prescription Drug Coverage – General Information

The MMA legislation provides seniors and people with disabilities with the first comprehensive prescription drug benefit ever offered under the Medicare program, the most significant improvement to senior health care in nearly 40 years.

This overview page provides links to important information on the new benefit.

Click the selection that best matches your area of interest.  Please check back, as we will continue to update these resources regularly.


CMS provides instructions for enrolling Medicare beneficiaries in Medicare Prescription Drug Plans (PDPs) in the Agency’s PDP Guidance for Eligibility, Enrollment and Disenrollment.

Child Pages

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