Medicare Prescription Drug Coverage (Part D) Plans

Medicare Part D Prescription Coverage Made Simple for Tennessee & Georgia Seniors

Prescription medications are an important part of staying healthy—but without the right coverage, costs can add up quickly. A Medicare Part D Prescription Drug Plan helps lower the price of both brand-name and generic medications so you can get the prescriptions you need at a cost you can manage.


At Solutions to Medicare, we offer clear guidance on Medicare Part D plans in North Georgia, Chattanooga, TN, and surrounding areas. We’ll work with trusted insurance carriers to review your current prescriptions, compare plan options, and help you enroll in coverage that makes the most sense for your health and your budget.

What is Medicare Part D?

Medicare Part D is optional prescription drug coverage offered by private insurance companies. It can be added to:

  • Original Medicare (Parts A & B)
  • Certain Medicare Advantage Plans that don’t already include drug coverage


Each Part D plan has its own list of covered medications (formulary), so choosing the right one matters.


Key Benefits:

  • Coverage for Prescription Medications – Helps reduce the cost of both brand-name and generic drugs.
  • Cost Savings – Lowers your out-of-pocket expenses and keeps monthly medication costs manageable.
  • Access to Pharmacies – Use local pharmacies or, in many cases, mail-order options.
  • Better Health Outcomes – Affordable prescriptions mean you can stay on track with your treatment.

Who Is Eligible for Medicare?

Medicare is a federal health insurance program available to certain groups of people. You may be eligible if:

  • You’re turning 65 – Most people qualify for Medicare at age 65.
  • You’re under 65 with a disability – After receiving Social Security Disability Insurance (SSDI) for 24 months, you may be eligible.
  • You have certain medical conditions – Such as End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS).
  • You’re a U.S. citizen or permanent legal resident – You must have lived in the U.S. for at least 5 consecutive years.



Most people qualify for premium-free Part A if they or their spouse worked and paid Medicare taxes for at least 10 years.

Woman in yellow shirt taking pills at a kitchen table, smiling.
A smiling woman at a pharmacy counter receives medication from a pharmacist. Shelves of products are in the background.

Who Should Consider a Part D Medicare Plan?

Medicare Part D helps cover the cost of prescription drugs, which are not included in Original Medicare. A Part D plan may be right for you if:

  • You’re about to turn 65 – It’s important to consider prescription coverage when first enrolling in Medicare to avoid late enrollment penalties.
  • You take prescription medications regularly – Part D can help lower out-of-pocket costs and make prescriptions more affordable.
  • You want peace of mind for the future – Even if you don’t currently take many medications, having a Part D plan protects you in case your needs change.
  • You want access to a wide pharmacy network – Most Part D plans partner with local and national pharmacies.
  • You’re looking to pair it with Original Medicare or a Medigap plan – Part D is a common add-on to complete your coverage.


Part D ensures your prescription drug costs are more manageable and helps protect you from unexpected expenses.

What Medicare Part D Covers (and What It Doesn’t)

Covers:

  • Most generic and brand-name prescriptions
  • At least two drugs in every treatment category
  • Key medications, including:
  • Cancer drugs
  • HIV/AIDS treatments
  • Antidepressants
  • Antipsychotics
  • Immunosuppressants
  • Anticonvulsants

Does Not Cover:

  • Over-the-counter drugs (vitamins, supplements, cold remedies)
  • Fertility drugs
  • Drugs for cosmetic/lifestyle use (weight loss, hair growth, ED)
  • Medications not approved by the FDA


Each plan has its own formulary (drug list), so always check to be sure your prescriptions are included.

Doctor and patient with cancer ribbon, holding hands and smiling.

How We Help with Medicare Part D in Tennessee & Georiga

As your local Medicare insurance broker, we make it simple to find the right drug coverage:

  • Review your current prescriptions to see which plans cover them affordably
  • Compare multiple carriers side by side so you understand your options
  • Check pharmacy networks to ensure your preferred pharmacy is included
  • Guide you through enrollment so your application is accurate and on time
  • Provide ongoing support if your medications or coverage needs change

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