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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 plans cover:
Many generic and brand-name drugs with predictable copayments
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.
What does a Medicare Part D plan cost?
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.
2026 Medicare Part D stages
DEDUCTIBLE STAGE
patient pays
*varies by plan
*covered drugs and costs vary from plan to plan
INITIAL COVERAGE
patient pays copay/coinsurance varies by plan
↓
Once out-of-pocket threshold of
$2,100 is met
enter Catastrophic Coverage
CATASTROPHIC COVERAGE
for covered Part D drugs, patient pays
$0
2026 Florida Blue Medicare Prescription Drug plans (Part D)
| BlueMedicare Premier Rx (PDP) | Blue Medicare Complete Rx (PDP) | |
|---|---|---|
|
Formulary Tiers Covered |
Formulary Tiers 1-6 |
Formulary Tiers 1-6 |
|
Annual Deductible |
$615 (Tiers 1-5) |
$615 |
|
Out-of-Pocket Threshold |
$2,100 |
$2,100 |
|
Catastrophic Stage |
$0 |
$0 |
|
Nationwide pharmacy network |
|
|
|
$0 select immunizations and vaccinations |
|
|
|
At-home delivery service |
|
2026 Medicare 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 6 (Select Care Drug) | $ |
| Tier 5 (Specialty) | $ $ $ $ $ |
| Tier 4 (Non-Preferred) | $ $ $ $ |
| Tier 3 (Preferred Brand) | $ $ $ |
| Tier 2 (Generics) | $ $ |
| Tier 1 (Preferred Generics) | $ $ |
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