Get the Medicare Drug Plan
You Deserve

Skyline Benefit is an independent Medicare broker and we can help you with your Medicare plan shopping.

Medicare Drug Plan

Get the Medicare Drug Plan
With Confidence

Learn how Medicare Part D cover your prescriptions. Simple explanation, easy enrollment and reliable coverage

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Save More on Medications
With Medicare Part D

Enroll in a Medicare Part D plan with confidence. Personalized prescription coverage made simple.

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medicare drug plan

What Is Medicare Part D?

Medicare Part D is your prescription drug coverage. It helps pay for the medications your doctor prescribes—whether you take one pill or several. Unlike Parts A and B, Medicare Part D is offered by private insurance companies approved by Medicare. If you have Original Medicare, you’ll need to add a standalone Part D plan to get drug coverage. Each Part D plan has its own list of covered medications (called a formulary) and a network of pharmacies. Plans vary by ZIP code, so your choices depend on where you live.

Tier 1: Most generic drugs — lowest copays
Tier 2: Preferred brand-name drugs — moderate copays
Tier 3–5: Non-preferred, specialty, or high-cost drugs — higher out-of-pocket costs

Part D plans may also include rules like:

Prior authorization
Step therapy
Quantity limits

Monthly Premiums

Most people pay a monthly premium, which can differ based on the plan you choose.

Annual Deductible

Some plans have a deductible before coverage kicks in (capped at $590 in 2025).

Copays or Coinsurance

After meeting your deductible, you’ll pay a portion of your drug costs, depending on the tier of the medication.

Initial Enrollment Period (IEP)

You can first enroll in a Medicare drug plan when you’re newly eligible for Medicare — starting three months before the month you turn 65, and ending three months after.

Annual Election Period (AEP):

This is when most people make changes to their Medicare coverage. You can enroll in, switch, or drop a Part D plan during this time. Changes take effect on January 1.

Special Enrollment Periods (SEPs)

If you lose creditable drug coverage (like from an employer), move out of your plan’s service area, or face other qualifying life events, you may qualify to enroll or make changes outside the standard windows.

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We make the process simple and fast

Choosing a healthcare plan can be overwhelming; we simplify the process for you

We customize health coverage to your needs

We tailor your healthcare options to your unique needs and budget

We offer flexible and affordable coverage options

With our carrier network, you have access to a variety of affordable health insurance plans

We are committed to excellence in what we do

We serve our clients with professionalism, integrity and great care

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We do the shopping and you do the saving!

As an independent health insurance broker, we represent multiple insurance companies and coverage options.

How Does Skyline Benefit Get Paid?

An insurance company generally offers a commission to Skyline Benefit as an independent broker.

You pay the same price for coverage whether you work with Skyline Benefit or buy it on your own. You pay NOTHING for our services.

Do I Need A Health Insurance Broker in Fresno?

Whether you need a health insurance broker depends on how comfortable you are with health insurance shopping. Confusion about health insurance can cost a lot of money and stress.

Skyline Benefit wants to be your trusted advisor when it comes to your healthcare shopping.

Is My Personal Data Secure and Confidential?

Skyline Benefit understands that the confidentiality, integrity and availability of data is vital to our clients.

We have therefore implemented data security procedures. You can refer to our Privacy Policy and Terms of Agreements.

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Get the Medicare Drug Plan
You Deserve

What Is Medicare Part D?

What Do Medicare Drug Plans Cover?

What Are the Costs of Medicare Part D?

Monthly Premiums

Annual Deductible

Copays or Coinsurance