Medicare Part D – Drug Coverage - CSG Insurance Pros In AZ

​What is Medicare Part D?

Medicare Part D provides prescription drug coverage for individuals that have Medicare. Part D is the most used and often most confusing “Part” of Medicare. With different tiers, formulas, premiums, deductibles, copays, gaps, etc.; navigating Part D can sometimes feel overwhelming. That is why it is important to speak with a qualified Medicare sales agent that can help guide you in the process.

​How to Get Prescription Drug Coverage

Medicare drug coverage is optional and is available to everyone with Medicare. Below is information directly from Medicare.gov regarding Medicare Part D. 1

​What About the “Donut Hole”?

When Medicare Part D was first implemented in 2006 there was a gap in prescription drug coverage once the initial Medicare maximum threshold was reached that caused individuals to pay full price out-of-pocket costs for prescription drugs before a higher threshold of “catastrophic coverage” was reached. This gap, seemingly in the middle of the coverage, was illustrated as a “donut hole”.

The Part D coverage gap ended in 2025

Beginning in 2025, the Part D benefit no longer has a separate coverage-gap phase. Current Part D costs depend on the plan, the drugs you take and the benefit phase you are in.

Because Part D rules and yearly limits can change, confirm current costs in your plan documents and Medicare.gov's Part D cost guidance.

​Get Advice from a Licensed Medicare Broker

With the recent changes as well as the diverse plans and options, it is important to speak to a qualified and licensed Medicare Broker. Contact the CSG Insurance Pros. Our agents are experienced and licensed specializing in Medicare Health Insurance providing Medicare (parts A and B), Medicare Supplemental Insurance, Medicare Advantage (Part C) and Medicare Prescription (Part D) plans. We serve Medicare recipients in every county in Arizona including in the cities of Phoenix, Mesa, Tempe, Chandler, Apache Junction, Gilbert, Tucson, Kingman, Bullhead City, Prescott, Flagstaff, Yuma, Sierra Vista and more. CSG Insurance Pros agents are independent, licensed and appointed with multiple insurance carriers to give you a wide variety of choice. For more information, call (480) 397-0999 or (928) 263-8500.