Medicare

Medicare Part D — Prescription drug coverage

Part D covers your prescription medications. Available as a standalone plan or included in Medicare Advantage. Each plan has its own drug formulary.

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What does this coverage include?

Drug formulary

Each Part D plan has a formulary (list of covered drugs) divided into tiers with different copays.

Why choose Auto International?

Extra Help if you have limited income

$2,000 annual cap in 2025

Frequently asked questions

What is the Medicare Part D 'donut hole'?
Historically it was a coverage gap where you paid more for medications. Since 2025, the Inflation Reduction Act eliminates the donut hole with a $2,000 annual cap.

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Medicare — Complete Guide

Medicare can be confusing. We explain each part — A, B, C (Advantage) and D — and help you choose the right combination for your situation.

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Medicare Advantage (Part C)

Medicare Advantage offers the same Medicare benefits — and often more — through approved private insurers. Many plans have $0 additional premium.

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Medigap — Medicare Supplement

Original Medicare pays 80% — you pay 20% with no limit. Medigap covers that gap so there are no medical cost surprises.

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Ready to explore your Medicare options?

Our CMS-certified agents explain every option with no pressure and no extra cost.

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