Medicare Prescription Drug Plans (Part D)
What is a Prescription Drug Plan?
Prescription Drug Plans, also known as Medicare Part D, help pay for the medications you take at home. If you’re enrolled in Original Medicare or have a Medicare Supplement (Medigap) plan, adding a Part D plan ensures you’re protected from high drug costs.
With Low-Cost Health Coverage, you’ll get:
Access to plans with drug copays as low as $0.
A wide national pharmacy network.
Options for mail-order delivery and savings.
Personalized support to match your medications and budget with the right plan.
Let’s make Medicare simple.
Share what matters most to you, your health needs, budget, and lifestyle, and we’ll match you with plans that fit.
Why choose a Prescription Drug Plan?
Low-Cost Health Coverage gives you access to the prescriptions you need at a price you can afford.
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Original Medicare doesn’t cover most prescriptions but at Low-Cost Health Coverage, our Medicare Part D Prescription Drug Plans fill that gap. We help you get the medications you need, with low costs, trusted pharmacies, and extra support so you can feel confident today, and stay healthy tomorrow.
Tailored to your Medications
Every plan we recommend is matched to your unique drug list, so you don’t pay for coverage you don’t need or miss coverage for the meds you do.
Avoid late enrollment penalties
Enrolling in a Part D plan when you're first eligible helps you avoid long-term penalties from Medicare. We make sure you stay covered and compliant from day one.
No medical underwriting
You can get a Part D plan regardless of your health history, no questions about pre-existing conditions, no denials. Everyone is welcome.
Seamless pairing with Medicare & Medigap
Already have Original Medicare or a Medigap plan? Our drug plans are designed to work perfectly alongside your existing coverage, no overlap, no conflict.
One-on-one plan reviews, not algorithms
We don’t make you scroll through confusing plan lists. Our licensed advisors provide personalized help, walking you through the best options based on your needs, not guesswork.
Trusted by Seniors nationwide
Thousands of Medicare beneficiaries rely on Low-Cost Health Coverage for drug plans because we prioritize people over profit and it shows in our service, savings, and support.
Estimate your drug costs before you enroll
Want to know how much you’ll spend each month? Build a drug list and we’ll estimate your monthly and yearly costs based on your medications, preferred pharmacy, and location. We make it simple and fast.
What’s included in a Part D plan?
Help with medication costs
Plans help pay for both generic and brand-name prescriptions including maintenance medications, specialty drugs, and more.
Drug copays as low as $0
Many plans offer $0 copays on common medications when filled through the Optum® Home Delivery Pharmacy, a convenient and affordable option for long-term prescriptions.
Optum® Home Delivery Pharmacy
Skip the pharmacy trip and get a 3-month supply of your medications delivered directly to your doorstep. This often lowers your cost and saves trips to the pharmacy.
$0 Vaccines
Get most adult vaccines for $0 including the shingles, flu, and pneumonia vaccines, when administered by a network pharmacy.
Insulin benefits
Stay healthy without breaking the bank. Insulin is capped at $35 or less for a one-month supply on most covered plans.
Catastrophic Coverage Protection
When your drug spending reaches the Catastrophic Coverage stage, Medicare covers all approved medications at no cost to you.
The Low-Cost Health Coverage Medicare Promise
Feel confident in your Medicare choice.
We’re here to help you find the Low-Cost Health Coverage plan that fits your life. Just enter your ZIP code and tell us what matters most, like dental, extra benefits, or low premiums.
We're here to support your Medicare journey
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Call 1-818-481-9342 / TTY 711
Hours: 8 a.m. to 8 p.m., 7 days a week.
Important Disclosures for Prescription Drug Plans
Our prescription plans may include home delivery options for 90-day supplies through partner pharmacies. Home delivery may not be available in certain U.S. territories, such as Guam, American Samoa, the U.S. Virgin Islands, or the Northern Mariana Islands. You are not required to use mail-order services for long-term medications. If it’s your first time using home delivery, you may need to approve your doctor’s order before it can be processed.
Under current guidelines, covered insulin prescriptions will not exceed $35 per month through all payment stages of your plan. Once you reach the Catastrophic Coverage phase, your insulin and other covered medications may have no cost at all.
Plan pharmacy networks include both preferred and standard pharmacies. In rural areas such as parts of Alaska, Montana, Nebraska, North Dakota, South Dakota, and Wyoming, there may be limited access to preferred cost-share pharmacies. Please use our online pharmacy directory or contact our team to check for the most affordable options in your area.
At Low-Cost Health Coverage, our Plan Match Promise means we’re committed to helping you find the most affordable, effective plan based on your prescriptions, location, and budget. We use the information you provide to guide plan recommendations, but we cannot guarantee that every individual will find a perfect match. All changes or cancellations must follow federal Medicare guidelines and local regulations.
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