When should I enroll in Medicare?

Your Initial Enrollment Period generally begins 3 months before you turn 65, includes your birthday month, and continues for 3 months after your birthday month. If you are still working and covered by qualifying group health coverage based on current employment, you may qualify for a Special Enrollment Period. Your enrollment timing depends on your circumstances.

What's the difference between Medicare Advantage and Medicare Supplement?

Medicare Advantage (Part C) is an alternative way to receive Medicare benefits through a private Medicare-approved plan and may include prescription drug coverage and additional benefits. Medicare Supplement insurance, also called Medigap, works with Original Medicare to help pay certain Medicare cost-sharing expenses. The two types of coverage work differently and may fit different healthcare and financial needs.

Do I have to pay for Kidwell Insurance Services?

There is no direct fee to clients for our insurance guidance and enrollment assistance. Insurance carriers generally compensate licensed agents when a client enrolls in a plan they represent. Carrier compensation does not increase the plan's premium.

Can I switch Medicare plans?

Depending on your circumstances, you may be able to change Medicare coverage during certain enrollment periods. The Medicare Annual Election Period generally runs from October 15 through December 7 each year. Medicare Advantage enrollees may also have certain opportunities to make changes during the Medicare Advantage Open Enrollment Period from January 1 through March 31. Other Special Enrollment Periods may apply.

What if my doctors are not in the plan's network?

Before enrolling in a Medicare Advantage plan, it is important to verify that your doctors, hospitals, and other healthcare providers participate in the specific plan's network. Network rules vary by plan. Medicare Supplement insurance works with Original Medicare, which generally allows you to see any doctor or hospital that accepts Medicare, subject to Medicare's rules.

Medicare Part D Prescription Drug Plans

Compare Medicare Part D plans to help lower prescription medication costs and find coverage that fits your healthcare needs and budget.

Schedule a Consultation

An older woman smiles while talking to a pharmacist about her Medicare Part D prescription in a brightly lit pharmacy.

What Is Medicare Part D?

Medicare Part D Prescription Drug Plans helps cover the cost of prescription medications for individuals enrolled in Medicare.

Plans are offered through private insurance companies approved by Medicare and can help reduce out-of-pocket costs for:

Generic medications
Brand-name prescriptions
Maintenance medications
Specialty drugs

Coverage and formularies vary by plan, making annual reviews important.

What Does Medicare Part D Cover?

Most Part D plans help cover:

Generic prescription medications
Brand-name drugs
Vaccines
Retail pharmacy prescriptions
Mail-order pharmacy options
Specialty medications

Smiling woman in orange shirt researches Medicare Part D as she writes in a notebook and uses a laptop at a bright glass table.

Why Prescription Plan Reviews Matter?

Each plan has:

Different formularies
Different pharmacy networks
Different copays
Different deductibles

Choosing the right plan can significantly impact annual medication costs.

How Medicare Part D Plans Work?

Monthly Premiums

The monthly amount paid for prescription coverage.

Deductibles

Some plans require members to pay a deductible before coverage begins.

Copays and Coinsurance

Prescription costs vary depending on:

Medication tier
Pharmacy selected
Plan formulary

Request a Free Medicare Review

Start a Request

Personalized Prescription Drug Reviews

We help clients compare:

Prescription formularies
Medication coverage
Pharmacy pricing
Mail-order options
Total estimated annual drug costs

What We Review

Current medications
Preferred pharmacies
Doctors and specialists
Budget considerations
Future prescription needs

Medicare Part D vs Medicare Advantage Drug Coverage

Standalone Part D Plan

Separate prescription coverage

Often paired with Medicare Supplement

Flexible plan pairing

Independent pharmacy/formulary selection

Medicare Advantage Drug Plan

Bundled with medical plan

Combined medical and drug coverage

All-in-one plan structure

Coverage depends on Advantage plan

Frequently Asked Questions

Still have questions? Take a look at the FAQ or reach out anytime. If you’re feeling ready, go ahead and schedule an appointment.

Common enrollment periods include:
- Initial Enrollment Period (IEP)
- Annual Enrollment Period (AEP)
- Special Enrollment Periods (SEP)
- Personalized prescription reviews
- Medicare plan comparisons
- Multiple carrier options
- Pharmacy network analysis
- Ongoing annual plan evaluations
- Local Medicare guidance
If you take prescription medications or want protection against future drug costs, Part D coverage may be beneficial.
That depends on the plan network. We help review preferred pharmacy options before enrollment.
Each plan has its own formulary, so coverage varies by carrier and plan.
Yes. During Annual Enrollment Periods, you can review and change plans if needed.

Schedule an Appointment

Local Medicare Part D Prescription Drug Plan Support

We help individuals and retirees compare Medicare Part D Prescription Drug plans throughout San Jose, Morgan Hill, Monterey, and surrounding Bay Area communities.

Review Medicare Part D Prescription plan options with a licensed Medicare insurance agent and find prescription coverage designed around your medication needs and budget.

Request a Consultation

Call an Agent

Two older adults, dressed for hiking, walk with poles through dry grass, smiling and enjoying nature—thanks to Medicare Part D coverage.