Medicare Prescription Drug Plans (Part D) in West Virginia
How Medicare Part D Works
- Private plans approved by Medicare. Each plan sets its premium, formulary, tiers, and preferred vs. standard pharmacy pricing (must follow Medicare rules).
- Formularies & tiers. Drugs are grouped into tiers; lower tiers usually cost less. Prior authorization, step therapy, and quantity limits may apply.
- Pharmacies matter. Using an in‑network (ideally preferred) pharmacy typically lowers your price; 90‑day refills and mail‑order may be available.
- 2025 redesign & cap. Your annual out‑of‑pocket costs for covered Part D drugs are capped at $2,000; no cost‑sharing above the cap.
- Monthly “smoothing”. You can opt into the Medicare Prescription Payment Plan to spread costs across the year.
- Combines Part A, Part B, and often Part D
- Predictable copays instead of 20% coinsurance
- May include dental, vision, and hearing coverage
- $0 premium plans available in many West Virginia counties
- Plans available from leading carriers (Aetna, Cigna, Humana, Mutual of Omaha)
- Annual coverage review available through Songer Insurance
Get Free Help Comparing Part D Plans
Our Other Services
- Medicare Supplement Plans (Medigap)
- Medicare Part D (Prescription Drug Plans)
- Turning 65 Help
- Dental & Vision Plans
- Group Medicare Coverage
- Health Insurance for Under 65
Key Features of Medicare Part D
Find the Right Medicare Part D Plan for Your Needs
- Standalone drug coverage that works with Original Medicare and any Medigap plan.
- Preferred pharmacies can reduce your copays.
- Plan formularies define which medications are covered and at what tier.
- Switch annually during Oct 15–Dec 7 if your medications change.
- $2,000 cap in 2025 on covered drug out‑of‑pocket costs.
➡️ Medicare Part D Highlights
- Standalone drug coverage that works with Original Medicare and any Medigap plan.
- Preferred pharmacies can reduce your copays.
- Plan formularies define which medications are covered and at what tier.
- Switch annually during Oct 15–Dec 7 if your medications change.
- $2,000 cap in 2025 on covered drug out‑of‑pocket costs.
- Combines Part A (Hospital), Part B (Medical), and often Part D (Drugs)
- Includes built-in extra benefits like dental, vision, and hearing
- Offers predictable copays and an annual out-of-pocket limit
- Many $0 premium options available in West Virginia
- Choose from HMO, PPO, and Special Needs Plans (SNPs)
- Local, licensed support from Songer Insurance — at no cost to you
Songer Insurance made choosing a Medicare Part D plan simple. They helped me compare options that included my doctors and prescriptions — and I even found a plan with no monthly premium.
About Songer Insurance
Beckley-based independent agency helping Medicare beneficiaries compare Medicare Part D, Part D, and Supplement plans across West Virginia.
Service Provided
Personalized Medicare Part D plan comparisons — HMO, PPO, and $0 premium options — with local, no-cost enrollment help.
Enrollment Timeline
Enroll during your Initial Enrollment Period (around age 65) or during the Annual Enrollment Period (October 15–December 7). Songer Insurance provides year-round guidance for coverage reviews and plan changes.
Download Medicare Part D Guide
Get our free Medicare Part D guide to learn how plans work, what benefits to expect, and how to find $0 premium options available in your area.
Our Other Services
Medicare Part D FAQs
QUESTIONS & ANSWERS
Common questions about Medicare Part D (Part D) plans in West Virginia.
We understand that Medicare can be confusing, especially when deciding between different Medicare Part D (Part D) plans. Here are some of the most common questions our West Virginia clients ask when reviewing their options — and how Songer Insurance helps make the process simple and local.
Part D is stand‑alone prescription drug coverage that works with Original Medicare (and with Medigap). It covers retail prescriptions through a plan’s formulary and pharmacy network. It does not cover medical services.
No. Medicare Part D (Part D) may include drug coverage inside one plan (MA‑PD). Stand‑alone Part D only covers prescriptions and is separate from your medical benefits.
Each plan covers a list of medications (formulary) arranged in tiers. Lower tiers usually cost less. Some drugs may require prior authorization, step therapy, or have quantity limits.
Starting in 2025, your annual out‑of‑pocket costs for covered Part D drugs are capped at $2,000. You don’t pay cost‑sharing above that cap for the rest of the year.
It’s an optional monthly “smoothing” program that spreads your Part D out‑of‑pocket costs across the year. You opt in through your plan.
If you go 63+ days without creditable prescription drug coverage after you’re first eligible, you’ll pay a monthly penalty added to your premium. It’s 1% of the national base beneficiary premium for each full month without coverage.
Coverage expected to pay, on average, at least as much as standard Part D—many employer/union plans, TRICARE, VA drug coverage, and some retiree plans.
Initial Enrollment (around your Part A or B start), Annual Enrollment (Oct 15–Dec 7 for Jan 1 effect), and Special Enrollment Periods for moves, loss of creditable coverage, Extra Help changes, etc.
Yes. Using in‑network preferred pharmacies typically lowers your copays compared with standard in‑network pharmacies. Mail‑order and 90‑day refills may also reduce costs.
Many vaccines are covered by Part D when not covered under Part B (e.g., shingles). Check your plan benefits and pharmacy.
Still Have Questions About Part D?
We’re here to help you compare plans, check your medications and pharmacies, and handle enrollment. Fill out the form and a licensed agent will reach out.
Songer Insurance helped me find a Medicare Part D plan that included my doctors, prescriptions, and even dental — all with no extra premium. They made everything simple! — Mary L., Beckley, WV
Frequently Asked Questions About Medicare Part D (Part D) Plans
What We Do & How You Benefit!
We’ve helped hundreds of West Virginians navigate Medicare Part D. Here are answers to some of the most common questions about how we help you compare plans, confirm your doctors, and make the most of your Medicare benefits.
Part D is stand‑alone prescription drug coverage that works with Original Medicare (and with Medigap). It covers retail prescriptions through a plan’s formulary and pharmacy network. It does not cover medical services.
No. Medicare Part D (Part D) may include drug coverage inside one plan (MA‑PD). Stand‑alone Part D only covers prescriptions and is separate from your medical benefits.
Each plan covers a list of medications (formulary) arranged in tiers. Lower tiers usually cost less. Some drugs may require prior authorization, step therapy, or have quantity limits.
Starting in 2025, your annual out‑of‑pocket costs for covered Part D drugs are capped at $2,000. You don’t pay cost‑sharing above that cap for the rest of the year.
It’s an optional monthly “smoothing” program that spreads your Part D out‑of‑pocket costs across the year. You opt in through your plan.
If you go 63+ days without creditable prescription drug coverage after you’re first eligible, you’ll pay a monthly penalty added to your premium. It’s 1% of the national base beneficiary premium for each full month without coverage.
Coverage expected to pay, on average, at least as much as standard Part D—many employer/union plans, TRICARE, VA drug coverage, and some retiree plans.
Initial Enrollment (around your Part A or B start), Annual Enrollment (Oct 15–Dec 7 for Jan 1 effect), and Special Enrollment Periods for moves, loss of creditable coverage, Extra Help changes, etc.
Yes. Using in‑network preferred pharmacies typically lowers your copays compared with standard in‑network pharmacies. Mail‑order and 90‑day refills may also reduce costs.
Many vaccines are covered by Part D when not covered under Part B (e.g., shingles). Check your plan benefits and pharmacy.
Contact Us
READY TO GET STARTED?
Get Free, Local Medicare Help Today
Our licensed Medicare agents are based right here in Beckley, West Virginia. Whether you’re turning 65 or reviewing your current plan, we’ll help you compare Medicare Supplement (Medigap) options and find the best fit — at no cost to you.
Our Location
330 Haper Park Suite A. Beckley, WV 25801
Our Phone
304-252-2158
Mail Address
info@songerinsurance.com
Get Help With Your Medicare Part D Plan
We’re here to help you compare your Medicare Part D (Part D) options — including HMO, PPO, and $0 premium plans — and make sure your doctors, prescriptions, and benefits are all covered. Reach out today for free, local help from Songer Insurance in Beckley, WV.
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