Taking the Stress Out of the Pharmacy Counter
The landscape of prescription drug coverage has changed dramatically. Starting in 2025 and 2026, the "Donut Hole" is gone, replaced by a much simpler (but still complex) system. Drug plans (Part D) are not one-size-fits-all. A plan that is cheap for your neighbor might be expensive for you based on your specific medications.
The $2,100 Safety Net
In 2026, there is a hard cap on your out-of-pocket drug costs. Once you spend $2,100 on covered medications, you pay $0 for the rest of the year.
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The "Payment Plan" (M3P): New rules allow you to spread your drug costs over the entire year in monthly installments rather than paying a large amount all at once at the pharmacy counter.
Three Things We Audit for You:
The Formulary Check
Tier Pricing
We run your exact prescriptions through our system to find the plan with the lowest total annual cost. We look for plans that might waive the $615 deductible for Tier 1 and Tier 2 drugs.​​
Pharmacy Choice
Local and Preferred
We ensure your plan works at your favorite local Lake Havasu pharmacy. Not all pharmacies are "preferred" with each plan, and using the wrong one can double your copays.
Annual Enrollment
October Reviews
Because drug tiers change every October 15 - Dec 7th, we re-run your list every year to ensure you are still in the best "bucket" for your health and budget.
Part D Stops at the Border
Prescription drug plans (Part D) do not cover medications purchased outside the United States. If you are traveling or spending time in Mexico, you are responsible for the full retail cost. We recommend travel policies that include "Pharmacy Assistance" to bridge this gap.