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Cover Your Medications with the Right Medicare Part D Plan in Florida

Original Medicare doesn’t cover most prescription drugs, and paying full price can be a shock. That’s why Medicare Part D plans in Florida—also called prescription drug plans—are so important. Whether you’re in Winter Park, Orlando, or anywhere in Central Florida, our licensed agents can help you choose a plan that covers your medications at the lowest possible cost.

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Prescription Coverage

What is Medicare Part D?

Medicare Part D is prescription drug coverage offered by private insurance companies approved by Medicare. You can get Part D in two ways:


  • Standalone Prescription Drug Plan (PDP) – Works with Original Medicare and Medicare Supplement (Medigap) plans.

  • Medicare Advantage Plan with Drug Coverage (MA-PD) – Bundled drug coverage as part of a Medicare Advantage plan.


Part D helps reduce the cost of your medications and protects you from very high drug bills.

How Part D Plans Work

Every Part D plan has:

01

A formulary

A list of covered drugs, grouped into cost tiers (generic, preferred brand, non-preferred, specialty).

02

A network of pharmacies

Using preferred pharmacies often means lower copays.

01

Cost-sharing rules

You may pay a deductible, then copays or coinsurance.

02

Coverage phases

Initial coverage, coverage gap (“donut hole”), and catastrophic coverage.

Because formularies and costs vary by plan, the same drug can cost much less with one plan than another. That’s why comparing based on your medication list is critical.

Florida Medigap

Choosing a Part D Plan in Florida

The “best” Medicare drug plan is the one that:

  • Covers all your prescriptions

  • Works with your preferred pharmacy

  • Has the lowest total annual cost (premiums + drug copays)

Our agents run personalized comparisons—inputting your medications and pharmacy preferences—to find the most cost-effective plan available in your county. In Central Florida, popular carriers include SilverScript (Aetna), WellCare, Humana, and others.

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Sign Up

Enrollment & Penalties

You should sign up for Part D when you’re first eligible for Medicare, unless you have other creditable prescription coverage. If you wait too long, you could face a late enrollment penalty that adds to your premium for life.

Key enrollment periods:


  • Initial Enrollment Period – When you first join Medicare
  • Annual Enrollment Period (Oct 15 – Dec 7) – Change or join a plan for the next year
  • Special Enrollment Periods – Triggered by certain life events (moving, losing coverage, etc.)


If you have a Medicare Advantage plan with drug coverage, you don’t need a separate Part D plan.

Our Prescription Coverage Assistance

We take the guesswork out of Part D. Just bring us:



  • Your list of prescriptions

  • Your preferred pharmacy (or mail-order preference)

We’ll compare plans, explain how your coverage works, and help you enroll—at no cost to you. We’ll also check if you qualify for Extra Help (a federal program that lowers prescription costs for eligible individuals).

Frequently asked questions

Frequently Asked Questions – Medicare Part D

  • Do I need Part D if I have a Medicare Advantage plan?

    Most Medicare Advantage plans include prescription drug coverage, so you typically don’t need a separate Part D plan. If your Advantage plan doesn’t include drug coverage, you may need a standalone Part D plan.

  • How much does a Medicare Part D plan cost in Florida?

    Premiums vary widely depending on the plan, your county, and whether you qualify for Extra Help. Costs also depend on the specific medications you take and the pharmacies you use.

  • What is the “donut hole” in Part D coverage?

    The donut hole is the coverage gap that starts after you and your plan have spent a set amount on covered drugs. In this phase, you pay a percentage of your drug costs until you reach catastrophic coverage.

  • Can I change my Part D plan anytime?

    No. You can change plans during the Annual Enrollment Period (Oct 15–Dec 7) or if you qualify for a Special Enrollment Period due to certain life events.

  • What happens if I don’t enroll in Part D when I’m first eligible?

    If you go more than 63 days without creditable prescription coverage after you’re eligible for Medicare, you may face a late enrollment penalty that is added to your Part D premium for as long as you have coverage.

Get Covered for Your Meds

Next Steps

Don’t risk going without prescription drug coverage. Contact our Winter Park team to review your options and get a free Part D plan comparison.


Call (321) 214-4594 or request a quote today.


If you have a Medicare Supplement plan, you’ll need Part D for prescription coverage. If you’re exploring Medicare Advantage, most plans include drug benefits—ask us to review the details with you.

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