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Stand-Alone Prescription Drug Plans Can Help Reduce Your Costs for Medications

Medicare Part D Prescription Drug Plans (PDP) help people with Medicare afford prescription drugs since Original Medicare doesn’t cover medications. If you have Original Medicare, you may want a PDP to get coverage for your drugs. Medicare Part D plans are sold by private insurance companies, like Florida Blue. Florida Blue offers two stand-alone Medicare Prescription Drug Plans (Part D).

Premier Rx and Complete Rx cover:

Many generic and brand-name drugs with predictable copayments

May include preferred pharmacies for lower cost-sharing

An extensive list of plan-covered drugs (formulary)

May include a low-cost mail-order pharmacy service for free home delivery of your medications

A nationwide pharmacy network

Three Ways to Get Medicare Part D Coverage

Add Part D coverage to your Original Medicare Parts A and B coverage with a stand-alone Medicare Prescription Drug Plan (PDP).

Choose the convenience of a Medicare Advantage Prescription Drug Plan (MAPD) that includes both medical and prescription drug benefits.

Select both a Medicare Supplement Plan and a Medicare Prescription Drug Plan to add to your Original Medicare Parts A and B coverage.

Costs for Medicare Prescription Drug Plan Coverage

What Does a Medicare Part D Plan Cost?

Like Original Medicare, Medicare Prescription Drug (PDP) plans share the cost of care through deductibles, co-payments (copays) and co-insurance.

Your actual PDP costs will vary depending on the plan chosen, prescription drugs you use, whether the drugs you use are on your plan's formulary, and whether you go to an in-network preferred or standard pharmacy.


Different Types of Costs for a Medicare Part D plan:

  • Deductible - The amount you pay before Original Medicare begins to pay its share of the cost.
  •   Copay - A flat dollar amount (for example, $10) you pay each time you fill a drug.
  • Coinsurance - A percentage (for example, 10%) you pay for your prescription drugs.
  • Premium - A fixed, monthly amount you pay for your PDP coverage.

2022 Medicare Part D Stages


Patient pays
*varies by plan

*Covered drugs and costs vary from plan to plan


Patient Pays

copay/coinsurance varies by plan

when total spend reaches $4,430 enter Coverage Gap


Patient pays

25% Brands
25% Generic

*varies by plan, some plans may include drug coverage through the gap

When out-of-pocket reaches $7,050 exit Coverage Gap


Patient pays

5% Brands
5% Generics

Overview of Florida Blue Medicare Prescription Drug Plans

Features BlueMedicare Premier Rx (PDP) Blue Medicare Complete Rx (PDP)

Formulary Tiers Covered

Formulary Tiers 1-5

Formulary Tiers 1-5

Annual Deductible

$480 (Tiers 3-5)


Initial Coverage Stage



Catastrophic Stage



Nationwide pharmacy network

$0 select immunizations and vaccinations

At-home delivery service

Part D Formulary

What is a formulary?

A formulary is the list of drugs, from brand-name to generic, that are covered by a Medicare Prescription Drug Plan. Covered drugs and costs vary from plan to plan.

Many plans have a tiered formulary, where drugs are divided into groups called "tiers" based on their cost.

In general, the lower the formulary tier, the lower the cost to you.

Generic drugs typically are on Tiers 1 and 2.

Part D Formulary Tiers:

Tier 5 (Specialty) $ $ $ $ $
Tier 4 (Non-Preferred) $ $ $ $
Tier 3 (Preferred Brand) $ $ $
Tier 2 (Generics) $ $
Tier 1 (Preferred Generics) $

Call a licensed Medicare agent.

Shop for Medicare Prescription Drug (Part D) plans in your area

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FBM PROD 003 NF 122021
Last Updated: 12.20.2021