Plans · Part D
Medicare Part D drug plans in Georgia
Part D is prescription drug coverage from private insurers. The right plan depends entirely on the specific medications you take — and 2026 brings a $2,100 cap on what you'll pay out of pocket for covered drugs.
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Medicare Part D covers prescription drugs through private plans approved by Medicare. You can get it as a standalone plan alongside Original Medicare (and usually a Medigap policy), or built into most Medicare Advantage plans.
What changed for 2026
- $2,100 out-of-pocket cap. Once your spending on covered drugs reaches $2,100 in 2026, you pay $0 for covered medications the rest of the year.
- Deductible up to $615. That's the most a plan can charge as its 2026 deductible; many plans set a lower one or none at all.
- Premiums vary by plan. The 2026 national base beneficiary premium — the figure used to calculate penalties — is $38.99, but what you actually pay depends on the plan you choose.
Choosing a plan is about your drug list
Every Part D plan has a formulary — its list of covered drugs and the tier (and cost) for each. Two plans with similar premiums can cost very different amounts once your specific prescriptions are run through them. We compare plans using your actual medication list and preferred pharmacy, so the lowest total cost wins, not just the lowest premium.
Watch the late-enrollment penalty. If you go 63+ days without Part D or other creditable drug coverage after you're first eligible, a permanent penalty can be added to your premium for as long as you have Part D. If you have other creditable coverage (for example through an employer or, for many veterans, the VA pharmacy), keep proof of it. See our 2026 costs page to estimate a penalty.
Higher earners
If your income is above the 2026 thresholds ($109,000 single / $218,000 joint, based on your 2024 tax return), you'll also pay a Part D income-related surcharge (IRMAA) on top of your plan premium. Our costs & IRMAA page lays out the brackets.
Good to know
Frequently asked questions
When should I enroll in Part D?
Usually when you first become eligible for Medicare, even if you take few or no medications — that avoids the late-enrollment penalty. Exceptions apply if you have other creditable drug coverage.
What is the 2026 out-of-pocket cap?
$2,100. After your covered-drug spending reaches that amount in 2026, you pay nothing more for covered medications for the rest of the year.
Can you help me pick a plan around my medications?
Yes — that's the most useful thing we do here. Bring your medication list and pharmacy, and we'll compare plans on your total expected yearly cost.
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Let's match a drug plan to your prescriptions.
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