Our Services
Drug Cost Review
Drug costs are where Medicare plans differ the most, and where we save clients the most money. We run your full prescription list against the formularies of the plans we offer to find the one that covers your medications at the lowest tier and lowest total annual cost — often saving hundreds of dollars compared with the plan you'd pick from the premium alone.
How we save you money
We check each drug's tier, the plan's deductible, and how your costs track against the 2026 out-of-pocket cap (about $2,100) across the plans we offer in your county, then recommend the lowest total-cost option for your specific prescriptions — not just the lowest premium.
Why the premium lies
A plan with a low premium can bury your exact drug on a high tier or leave it off the formulary entirely, costing you far more overall. Two plans can price the same medication very differently. The only way to know your real cost is to run your actual list — which is exactly what we do.
Extra Help screening
While we're at it, we check whether you qualify for the federal Extra Help program, which can eliminate your Part D premium and deductible and cut copays for limited incomes. Many people who qualify never apply — we make sure you don't miss it.
Questions, answered
Will you check my specific medications?
Yes — send us your list and we'll find the plan that covers them at the lowest total cost. It's the single biggest way to save on Medicare, and it's free.
How much can a drug review save me?
It varies by your medications, but clients often save hundreds of dollars a year by switching to a plan that covers their drugs at a lower tier. The savings can be dramatic for brand-name or specialty drugs.
Can you do this every year?
Yes — we re-check your drugs against the new formularies each fall during AEP, because plans change their drug lists and prices annually.
Official Medicare sources
We point you to the federal sources so you can verify everything:
- Medicare.gov — official Medicare costs, coverage, and rules.
- Medicare Plan Compare — compare Medicare Advantage and Part D plans by ZIP.
- Social Security (ssa.gov) — enroll in Parts A & B and check eligibility.
- CMS.gov — Centers for Medicare & Medicaid Services.
Education only — confirm current figures on Medicare.gov. We do not offer every plan available in your area.
Last updated . Maintained by the Medicare On Main Data Desk · reviewed by Brian Penner, Independent Medicare advisor (NPN 16493717).