Medicare Part D — South Carolina

Prescription Drug Coverage
That Actually Covers Your Medications.

Not all Part D plans cover the same drugs at the same cost. We run a personalized drug comparison against your specific medication list to find the plan that saves you the most.

How Medicare Part D Works

Part D is voluntary prescription drug coverage added to Original Medicare. Here's what you need to know.

💊 Formulary Coverage

Each Part D plan has a formulary — a list of covered drugs organized into tiers. The tier your medication is on determines your copay. We verify your drugs are covered before you enroll.

🏪 Preferred Pharmacy Network

Each plan has preferred pharmacies where you pay lower copays. We match plans to pharmacies near you and confirm your preferred pharmacy is in-network.

📅 Annual Enrollment

You can change Part D plans during Annual Enrollment (Oct 15 – Dec 7). We review your plan every year at renewal to make sure it still covers your medications at the best price.

⚠️ Late Enrollment Penalty

If you don't enroll in Part D when first eligible and don't have other creditable drug coverage, you'll face a permanent late enrollment penalty. Timing matters.

Part D FAQs

Most Medicare Advantage plans include Part D drug coverage — called MAPD plans. If your MA plan already includes drug coverage, you don't need a separate Part D plan. However, if you have a Medicare Advantage plan without drug coverage (rare), you can add a standalone Part D plan.
This is exactly what we do for you. Give us your current medication list and we run a plan comparison that shows which plans cover your drugs, what your expected annual cost would be under each plan, and which pharmacies are in-network. This analysis is free and typically takes about 20 minutes.
The penalty is 1% of the national base beneficiary premium for each month you went without Part D or other creditable drug coverage. It's permanent and added to your monthly premium for as long as you have Part D. For example, going 24 months without coverage adds a 24% permanent premium surcharge.
You can change Part D plans during Annual Enrollment (October 15 – December 7) each year. In some circumstances — like being newly eligible for Extra Help or moving out of the plan's service area — you may qualify for a Special Enrollment Period to change mid-year.

Find the Part D Plan That
Covers Your Medications.

Share your medication list and we'll run a free comparison showing your expected annual cost under every available plan in South Carolina.

📞 Call 843-509-2462 Free Drug Plan Review

Jennifer Mauldin  |  843-509-2462  |  jennifer@mauldininsurancegroup.com