Medicare
Medicare Part D Plans in Missouri
Helping You Find the Right Prescription Coverage at the Right Price.
Your medicare journey starts here
What Is Medicare Part D?
Medicare Part D is prescription drug coverage offered through private insurance companies approved by Medicare. It’s designed to help lower the cost of your medications and protect you from high out-of-pocket expenses—especially as your needs change over time.
If you have Original Medicare or a Medicare Supplement plan, a standalone Part D plan ensures you have access to your medications without delay.
Why Add a Part D Plan?
Part D plans offer:
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Coverage for both generic and brand-name medications
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Access to local and national pharmacy networks
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Protection against the high cost of prescriptions
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Options tailored to your personal medication list
Choosing the right Part D plan isn’t just about premiums—it’s about total cost. Our team helps you compare plans based on your specific prescriptions, preferred pharmacies, and budget.
What’s Available in Your Market?
There are several Part D plans available, each with different formularies, copays, deductibles, and pharmacy networks. Some even offer $0 copays on select generic drugs.
We'll review 2025 Part D changes under the Inflation Reduction Act, including the $2,000 calendar year cap on drug costs and the elimination of the coverage gap (donut hole), and check if you qualify for Extra Help (federal program) to reduce prescription expenses.
We Make Medicare
At The Advocate Group, we do more than just explain plan options—we personally review your medications each year to make sure your coverage still fits. Whether you’re enrolling for the first time or considering a switch during the Annual Enrollment Period, we’re here to help you avoid surprises and stay covered.
...Make Sense!
Get Started
Ready to Review Your Prescriptions?
Let’s make sure your drug plan keeps up with your health needs and your budget. Our experienced agents will walk you through every step.
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FAQs
Do I need a Part D plan if I don’t take any medications right now?
Yes, enrolling when you’re first eligible helps you avoid late enrollment penalties and ensures you’re covered if your needs change unexpectedly.
Can I change my plan later?
Yes, during the Annual Enrollment Period (October 15–December 7) or other qualifying events. We help our clients re-evaluate their plans each year.
What is the coverage gap (donut hole)?
It’s a temporary limit on what the drug plan will cover for prescriptions. We’ll explain how it works and what to expect based on your usage.