Enrollment
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Premium isn't the whole cost
Only about 1 in 7 people pick their lowest-cost drug plan. The cheapest premium is often not the cheapest plan once your prescriptions are counted.
Keep your doctor & drugs
Before enrolling, confirm your doctors are in-network and your medications are covered. These are the surprises that cost people the most.
Be wary of glossy ads
“Free benefits,” celebrity endorsements, and official-looking cards are marketing. A neutral comparison — like this one — shows the trade-offs ads leave out.
Find plans in your area
Start with your ZIP code. Everything else is optional.
Confused by a word? Start here.
Tap any term to see it in plain English.
Common Medicare terms, defined
- Premium
- The set amount you pay every month to have the plan — even in months you use no care.
- Deductible
- What you pay first, before the plan starts paying its share.
- Formulary
- The plan's list of covered prescription drugs. If your drug isn't on it, you may pay full price.
- Out-of-pocket maximum
- The most you'll pay in a year. After that, the plan pays 100%.
- Network
- The doctors, hospitals, and pharmacies that work with the plan. Going outside it usually costs more.
- Star rating
- Medicare's 1–5 quality score for a plan. Higher is better, but it's only one factor.
Please remember: This tool is a guide to help you understand your options — it is not official advice and not a substitute for Medicare.gov. Plan details change; always verify costs, drug coverage, and provider networks with the plan directly before you enroll. Consider talking with your State Health Insurance Assistance Program (SHIP) for free, unbiased help.