Compare Medicare Prescription Drug (Part D) plans
Find and compare Medicare Prescription Drug plans from UnitedHealthcare
By design, Original Medicare doesn't provide prescription drug coverage. If you need prescription drugs, you can purchase a Medicare Part D prescription drug plan.
There are a number of prescription drug plans to choose from depending on where you live. Each plan has a different level of coverage with premiums, deductibles and copays to fit your health needs and budget. If you're shopping for a Medicare prescription drug plan, it's important to learn each plan's coverage and costs to decide which may be best for you.
Medicare Prescription Drug plans (PDP) from UnitedHealthcare
| 2023 AARP MedicareRx Walgreens (PDP) | 2023 AARP MedicareRx Preferred (PDP) | 2023 AARP MedicareRx Saver Plus (PDP) | |
|---|---|---|---|
| Choose this plan if | You use primarily generic drugs, want a lower premium plan, and fill your prescriptions at Walgreens pharmacies |
You want our most extensive drug coverage and access to a broad pharmacy network |
You receive Extra Help |
| Annual Deductible | $0 for Drug Tier 1 |
$02 |
$505 |
| Drug List | Includes many generic and brand name drugs covered by Medicare Part D |
Includes most generic and commonly-used brand name drugs covered by Medicare Part D |
Includes most generic and many commonly-used brand name drugs covered by Medicare Part D |
| Coverage Gap | You pay no more than 25% of the total cost for generic drugs or 25% of the total cost for brand name drugs, for any drug tier during the coverage gap |
You pay no more than 25% of the total cost for generic drugs or 25% of the total cost for brand name drugs, for any drug tier during the coverage gap |
You pay no more than 25% of the total cost for generic drugs or 25% of the total cost for brand name drugs, for any drug tier during the coverage gap |
| Preferred Retail Pharmacy Network | Copays as low as $1 when you fill your prescription at a Walgreens pharmacy1,3,6 |
You could save 50% on copays for Tier 1 drugs at a preferred retail pharmacy1,4,6 |
Copays as low as $1 when you fill your prescription at a Preferred Retail Network pharmacy1,3, 6 |
| Optum Home Delivery | $3 copay for a 90-day supply of Tier 1 medication (typically generic drugs)5 |
$0 copay for a 90-day supply of Tier 1 and Tier 2 medication (typically generic drugs) 5 |
$3 copay for a 90-day supply of Tier 1 medication (typically generic drugs) 5 |
Choosing a Medicare prescription drug plan that fits your needs
Finding a Medicare prescription drug plan can feel confusing at first. The good news is that with a few questions, you can make a more confident decision.
Review how you think you'll use the plan. Use the questions below as a starting point, take some notes, and use the links above to help with your decision.
Cost:
- Will the plan's monthly premium and annual deductible fit your budget?
- What are the initial coverage and out-of-pocket limits?
- Will you need high-cost prescription drugs? Consider a plan that covers medications in the gap.
- Do you need to stay within a budget? Find plans with a no or low deductible, or coverage gap protection.
Formulary (drug list):
- Which prescription drugs do you take? Find your medications on the formulary (the list of drugs covered by the plan) to compare costs.
- Do you take brand name drugs? Or would you switch to a generic drug to lower your costs?
Pharmacies:
- Does the plan include a pharmacy network? Is your local pharmacy included?
- Are you willing to use a mail order pharmacy?
- Will Walgreens work, or do you need a broader range of pharmacy options?
Medicare Prescription Drug plan or Medicare Advantage plan?
You need prescription drug coverage, but do you need other health care benefits, too? You might be deciding between a Medicare Prescription Drug (Part D) plan and a Medicare Advantage plan.
Medicare Prescription Drug (Part D) plans
Since Original Medicare Parts A and B don't include prescription drug coverage, a Medicare Prescription Drug (Part D) plan helps cover the costs of medication. If you only need prescription drug coverage to complete your Original Medicare plan, a UnitedHealthcare Part D plan may be your best option. UnitedHealthcare Part D plans help you save money and give you peace of mind. Each plan includes commonly used generic and brand name prescription drugs, and has slightly different coverage and drug lists.
Medicare Advantage (Part C) plans that include Part D coverage
If you're looking for more complete coverage, there's an all-in-one option. Medicare Advantage (Part C) plans may provide better prescription drug coverage than a stand-alone Part D plan, and offer more benefits than Original Medicare. A Medicare Advantage plan combines your doctor, hospital and prescription drug coverage with low monthly premiums — many as low as $0.
Medicare Advantage plans may include:
- Low-cost premiums, many as low as $0
- Prescription drug coverage for thousands of brand name and generic drugs
- Drug copays as low as $0 with home delivery from OptumRx® 5
- Set copays and yearly limits to out-of-pocket spending
- Routine dental, hearing and vision coverage
- Fitness plans and wellness programs
- Urgent care and worldwide emergency coverage
Remember: Medicare Advantage plans and Medicare Prescription Drug plans cover a certain set of prescription drugs. Before enrolling, be sure to check each plan's drug list (formulary) to see if your medications are covered. If you already have prescription drug coverage, make sure your prescriptions are covered next year, too.
UnitedHealthcare Part D information and tools
To make it easier to find the plan you need, UnitedHealthcare provides information and tools to help you be informed before you choose.
Get help choosing
Answer a few basic questions, and UnitedHealthcare will give you plan recommendations.
Medicare Prescription Drug plans
Learn the basics of how Part D prescription drug plans work.
Already a member?
Go to the member site to see more personalized benefits.
Find a plan
Meet with us
Make an appointment with a licensed insurance agent/producer in your area.
Footnotes
1 Not all plans available in all areas.
AARP MedicareRx plans: Member may use any pharmacy in the network but may not receive preferred retail pharmacy pricing. Pharmacies in the Preferred Retail Pharmacy Network may not be available in all areas. Copays apply after deductible.
AARP MedicareRx Walgreens plans: Member may use any pharmacy in the network but may not receive the same pricing as Walgreens, the plan’s preferred retail pharmacy. Walgreens pharmacies may not be available in all areas. Tier 3 and Tier 4 coinsurance applies after deductible.
The Preferred Retail Pharmacy Network is not available for the AARP MedicareRx Preferred (PDP) plan in the following territories: Guam, American Samoa, U. S. Virgin Islands or Northern Mariana Islands. Copays apply after deductible.
2 The AARP MedicareRx Preferred (PDP) plan will have a $480 deductible in the following territories: Guam, American Samoa, U.S. Virgin Islands, Puerto Rico and Northern Mariana Islands.
3 Copay applies to Tier 1 preferred retail pharmacy prescriptions. Copays may vary by state.
4 Savings of 50% apply to Tier 1 and/or Tier 2 copays on the AARP MedicareRx Preferred (PDP) plan at a preferred retail pharmacy compared with the copays of standard pharmacies in the network.
5 Optum home delivery is not available for the AARP MedicareRx Preferred (PDP) plan in the following territories: Guam, American Samoa, U.S. Virgin Islands or Northern Mariana Islands.
$0 copay may be restricted to particular tiers, preferred medications, or home delivery prescriptions during the initial coverage phase and may not apply during the coverage gap or catastrophic stage. OptumRx is an affiliate of UnitedHealthcare Insurance Company. You are not required to use Optum Home Delivery for a 90-/100-day supply of your maintenance medication. If you have not used Optum home delivery, you must approve the first prescription order sent directly from your doctor to OptumRx before it can be filled. Contact Optum anytime at 1-888-658-0539, TTY 711.
6 AARP MedicareRx Preferred (PDP)’s pharmacy network includes limited lower-cost pharmacies in rural AK, MT, NE, ND, SD and WY. There are an extremely limited number of preferred cost share pharmacies in suburban MT. The lower costs advertised in our plan materials for these pharmacies may not be available at the pharmacy you use.
AARP MedicareRx Saver Plus (PDP)’s pharmacy network includes limited lower-cost pharmacies in rural AK, MT, NE, ND, SD and WY. There are an extremely limited number of preferred cost share pharmacies in suburban MT. The lower costs advertised in our plan materials for these pharmacies may not be available at the pharmacy you use.
AARP MedicareRx Walgreens (PDP)’s pharmacy network includes limited lower-cost pharmacies in urban ND; suburban CA, HI, ND and PA; and rural AK, AR, HI, IA, ID, KS, MN, MO, MS, MT, NE, OK, OR, PA, SD, TX and WY. There are an extremely limited number of preferred cost share pharmacies in suburban MT and rural ND.
For up-to-date information about our network pharmacies, including whether there are any lower-cost preferred pharmacies in your area, please call 1-888-867-5564 (TTY 711), 8 a.m. – 8 p.m., 7 days a week or consult the online pharmacy directory here.