The price you pay at the pharmacy isn’t just about the drug—it’s about the plan, the pharmacy network, and the rules hidden in the fine print. We break down a simple, repeatable method to shop Medicare Part D so you protect access to your doctors and treatment while cutting real costs. With Medicare’s new $2,000 out-of-pocket cap, the math changes: premiums and pharmacy choice now drive your savings more than fear of runaway brand-name bills.

We walk through Medicare.gov step by step—creating your account, reviewing your medication history, and adding every pharmacy you actually use, from your local favorite to the chain near your vacation home. You’ll learn how to identify preferred pharmacies, interpret plan deductibles that often bypass generics, and compare total annual cost, not just the monthly premium. Along the way, we share client stories that show how zero-premium plans can deliver $0 copays on key generics and how pairing Part D with Mark Cuban’s Cost Plus Drugs can slash prices on certain fills without sacrificing convenience.

If you rely on insulin or name-brand medications, you’ll hear how to prioritize plans that price your specific drugs best, why star ratings matter for service and fewer headaches, and the easiest way to enroll online. We also cover pro moves like setting premiums to auto-deduct from Social Security to avoid missed payments and ensuring your new card is on file before January 1 so refills don’t stall. It’s a clear, calm guide for you and the loved ones you help—because the right plan isn’t the cheapest on paper, it’s the one that fits your real life.

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Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.