Medicare Prescription Drug Coverage
Part D Prescription Drug Coverage in Woodbury & Gloucester County, NJ
Choosing the wrong Part D plan can cost you hundreds of dollars a year in unnecessary out-of-pocket drug costs. We compare every available plan against your specific medications — completely free — to make sure you're never overpaying.
What Is Medicare Part D?
Medicare Part D is the prescription drug coverage component of Medicare. It's available through private insurance companies that contract with Medicare, and it helps pay for prescription medications you take at home.
If you have Original Medicare (Parts A and B), you'll need a standalone Part D plan to have drug coverage. If you have Medicare Advantage, prescription drugs are usually already included in your plan — so you typically don't need a separate Part D policy.
The critical thing to understand is that Part D plans are NOT all equal. Each plan has its own formulary (list of covered drugs) and its own cost-sharing structure. Choosing the wrong plan for your medications can easily cost you hundreds of extra dollars per year.
Formulary Check
We verify your exact prescriptions are covered by each plan before recommending it.
Cost-Tier Analysis
Plans assign drugs to cost tiers — we find the plan where your medications land in the lowest tier.
Penalty Avoidance
We ensure you enroll on time to avoid the permanent Part D late enrollment penalty.
Annual Review
Plans change every year. We review your plan annually to make sure it still offers the best coverage.
The Part D Late Enrollment Penalty
If you go more than 63 consecutive days without creditable prescription drug coverage after you first become eligible for Part D, you'll be charged a late enrollment penalty. This penalty is permanent — it's added to your monthly premium for as long as you have Part D coverage.
The penalty is calculated as 1% of the national base beneficiary premium ($36.78 in 2026) for every month you went without coverage. A 12-month gap results in roughly $4.40 per month in permanent extra costs — and it grows the longer you wait.
The Senior Health Stop helps every Woodbury area senior enroll at the right time to avoid this entirely. Call (856) 388-2991 — it costs you nothing.
Part D Questions Answered
What is Medicare Part D?
Medicare Part D is the prescription drug benefit available to all Medicare beneficiaries. It is offered through private insurance companies approved by Medicare. Seniors on Original Medicare need a standalone Part D plan; those with Medicare Advantage usually have drug coverage built in.
How do I choose the right Part D plan?
The right Part D plan depends entirely on which medications you take. Each plan has a formulary — a list of covered drugs — and different cost-sharing tiers. The Senior Health Stop compares every Part D plan available in Gloucester County against your specific prescription list to find the most cost-effective option.
Is there a penalty for not enrolling in Part D?
Yes. If you go more than 63 days without creditable drug coverage after becoming Medicare-eligible, you'll face a permanent Part D late enrollment penalty added to your monthly premium. Our Woodbury agents help you avoid this by enrolling at the right time.
Can I change my Part D plan?
Yes, during the Annual Enrollment Period (October 15 – December 7) you can switch Part D plans. This is important because plans change their formularies and costs every year. The Senior Health Stop conducts free annual reviews to make sure your drug plan still provides the best coverage for your medications.
Find the Right Part D Plan for Your Medications
Bring your medication list and let our Woodbury agents do the comparison work for you. In-home visits available throughout Gloucester County.
Call (856) 388-2991 or email info@seniorhealthstop.com | Mon–Fri 9:30 AM – 5:00 PM