Prescription Drug Plans
Your medications, covered. The best option for you.
We help you find the best prescription plan for the medications you actually take — including Part D for Medicare-eligible members.
- Coverage for your prescription medications
- Part D plans for Medicare-eligible individuals
- Options matched to the drugs you actually take
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What it is
Coverage for the medications you need
Prescription drug plans help cover medication costs so a needed prescription never breaks your budget.
- Coverage for your prescription medications
- Part D plans for Medicare-eligible individuals
- Options matched to the drugs you actually take
Why American Insurance
An independent agency working for you
We work for you — not the insurance companies — to find the right coverage at the right price.
- We shop multiple trusted insurance companies — you get the best rate, not one company’s pitch.
- Real licensed advisors — no call centers, no pressure.
- Free, no-obligation quotes. Se habla espanol.
Questions
Frequently asked questions
How do prescription drug plans work?
Prescription coverage uses a formulary — a tiered list of covered medications — where generics cost the least and brand-name and specialty drugs cost more. Your copay or coinsurance depends on the tier, and some drugs require prior authorization. We make sure your specific medications are covered before you enroll.
Are my current medications covered?
That depends on the plan's formulary, which is exactly why we check each of your prescriptions against the plan before you commit. A plan with a great premium isn't a deal if it doesn't cover your drugs. We'll help you find the best option for the medications you actually take.
What's a formulary and why does it matter?
A formulary is the plan's list of covered drugs, organized into cost tiers. It determines what you'll pay at the pharmacy and whether a drug needs special approval. Because formularies change yearly, we review yours at renewal so you're never surprised at the counter.
Can I lower what I pay for prescriptions?
Often yes — switching to generics or therapeutic equivalents, using preferred pharmacies or mail-order for maintenance meds, and choosing a plan whose formulary fits your prescriptions can all cut costs. For Medicare, the right Part D plan makes a big difference. We'll compare options around your actual medication list.
How does this work with Medicare?
Medicare prescription coverage comes through Part D or a Medicare Advantage plan that includes drug coverage, each with its own formulary and pharmacy network. Choosing the right one around your medications can save hundreds a year. We compare them for you during enrollment.
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