What is considered the best medicare part D plan?
There is no single "best" Medicare Part D plan because coverage, costs, and availability depend entirely on your specific ZIP code and the exact prescription drugs you take.
However, top national providers consistently rank highest for specific needs based on value, quality ratings, and customer satisfaction:
Top-Rated National Providers
- Best Overall & Widespread Availability: UnitedHealthcare (offered with AARP) is the largest provider. It features broad national coverage, competitive pricing, and lower average deductibles.
- Best for Low Premiums & Budget Budgets: Wellcare stands out for low or zero-dollar monthly premiums and strong government quality ratings.
- Best for Low Out-of-Pocket Costs: Humana offers $0-premium plans in many states and low copays on common drug tiers.
- Best for Customer Satisfaction: HealthSpring (formerly Cigna) scores high marks for member satisfaction and service.
- Best for Quality & Diabetes Care: Aetna (SilverScript) earns high quality ratings and offers reliable $35 insulin caps.
How to Find Your Best Plan
- Check your list of medications (formulary): Ensure the plan covers every drug you currently take.
- Calculate total annual cost: Add the monthly premium to your expected yearly copays and deductibles—not just the lowest monthly fee.
- Use local pharmacy networks: Verify that your preferred local or mail-order pharmacies are in-network.
- Compare local options: Enter your ZIP code into the official Medicare Plan Finder to see exact pricing in your area.