Humana Medicare prescription drug plans (PDPs)

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Our PDPs support a variety of health needs and budgets

Adding a PDP to Original Medicare or a Medicare Supplement plan offers an added layer of protection against high healthcare costs. If you currently take prescription medication, you can use our Drug List to see what you’ll pay for refills with each plan.

Adding a PDP to Original Medicare or a Medicare Supplement plan offers an added layer of protection against high healthcare costs. If you currently take prescription medication, you can use our Drug List to see what you’ll pay for refills with each plan.

How to get Medicare prescription drug coverage

Add a PDP to your Original Medicare coverage

Since Original Medicare doesn’t include coverage for prescription drugs, you can opt for a stand-alone PDP to complement your Original Medicare coverage.

Consider a Medicare Advantage plan

Medicare Advantage plans are required by law to include all the benefits of Original Medicare, and most include coverage for prescription drugs. Many also include coverage for dental, vision and hearing care.

*Premium varies by state or region. Please refer to the Summary of Benefits for additional information.

**If you don't live in an area where preferred cost-sharing pharmacies are close to you, your ability to take advantage of this benefit will be limited. In some areas, preferred cost-sharing pharmacies may be extremely limited.

See plans in your area

See plans with their premiums, copays and participating pharmacies

Things to know before you shop

Original Medicare and PDP

If you opt for Original Medicare, a PDP could be a great addition, as Original Medicare doesn’t provide prescription drug coverage. For even more protection against high healthcare costs on Original Medicare, you can pair a PDP with a Medicare Supplement insurance plan.

Late enrollment penalty

If you don’t sign up for a prescription drug plan when you’re first eligible and you don’t have other creditable drug coverage, you’ll likely pay a late enrollment penalty if you join later, and you’ll continue to pay that penalty each month for as long as you have your plan.

Consider your options

Already taking 1 or more prescription drugs? Resist the urge to shop based on premium alone. Consider the deductibles (the amount you pay for prescription drugs before your plan begins to pay) and the copays (a set dollar amount you pay for each prescription you fill). Some plans have a $0 deductible and $0 copays on certain drug tiers, and our Humana Premier Rx Plan (PDP) participates in the Part D Senior Savings Model, which Humana calls the Insulin Savings Program. This program provides affordable, predictable copayments on select insulins for eligible members.

Learn more about our prescription drug plans

How drug tiers work

Some plans group their formulary, or Drug List, into tiers. Tiers help determine the amount you’ll pay for your prescription. Typically, drugs in lower tiers cost less than those in higher tiers.

Tier 1: Preferred generics—usually includes more common, lower-cost, generic prescription drugs
Tier 2: Generics—usually includes higher cost generic prescription drugs and some lower-cost brand prescription drugs
Tier 3: Preferred brand—brand-name drugs that don't have a generic equivalent
Tier 4: Non-preferred drug—higher-priced brand and generic drugs with no preferred cost share
Tier 5: Specialty tier—the most expensive drugs, usually used to treat complex conditions such as cancer, multiple sclerosis or rheumatoid arthritis

If you're currently taking prescription medication, you can use our search tool to look up a specific drug. It will tell you if the drug is covered by Humana and which tier it's listed under. It may also offer alternatives and generics that might save you money.

View our printable drug list

Get help managing your medications

If you’re taking a number of medications prescribed by more than 1 doctor, you may be eligible to take advantage of Medication Therapy Management (MTM). Through this program, you can meet 1-on-1 with a doctor or pharmacist to learn more about your medicines and how they work, ask questions about side effects or interactions with other medications and look for opportunities to lower your costs.