Verify your medications are still covered in 2026.

1. Check tier, prior authorization (PA), step therapy (ST), and quantity limits (QL).

2. Explore pricing using different brands of retail pharmacies and a plan’s preferred mail-order.

3. Review how these costs apply before you reach the $2,100 annual.

4. Add your premium for the plan.

5. All plans offer the Medicare Prescription Payment Plan (M3P) that allows you to spread out payments, if needed.