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Top 5 Best Rated Medicare Prescription Drug Plans for 2022


The most expensive plans are not always the best quality when it comes to healthcare. When choosing Part D coverage in 2022, knowing the best overall Medicare prescription drug plan (Part D plan) is essential. You can stay ahead of the game and maximize your Medicare Part D benefit by knowing what to expect.

The more you age, the more likely you will require prescription drugs in your daily routine. Drugs can be costly, and new brand-name drugs can be the most expensive. Medicare Part D Plans are put in place to help cover the costs of these medications.

Several Medicare Part D plans and carriers are available nationwide, which can make choosing the right plan complicated for seniors. On top of this, policies vary by county, so moving may warrant a plan change in your plan. With this in mind, it is crucial to understand all Medicare Part D plans that are available to you and be educated on the highest-rated plans on the market today.

Top 5 Rated Medicare Prescription Drug Plans for 2022

  1. SilverScript
  2. Humana
  3. Mutual of Omaha
  4. UnitedHealthcare
  5. Cigna

How Do Ratings Work for Medicare Prescription Drug Plans?

Medicare Part D plans are ranked on a five-star scale. However, just because a policy is 5-star in your area does not mean it is the top-rated plan in the country. This is because, just like the plans, ratings also vary by zip code.

It is good to note that no one plan that will fit everyone’s needs. The best plan for you could be the worst plan for your spouse and vice versa. Spending time ensuring your plan is the best value for your drugs is important when it comes to Part D coverage.

SilverScript Medicare Prescription Drug Plans

  • SilverScript SmartRx
  • SilverScript Choice
  • SilverScript Plus
SilverScript Medicare Prescription Drug Plan Average Monthly Premium Recommended for those who
SilverScript SmartRx $7.08 Take no medications or few generic medications
SilverScript Choice $30.78 Take a few generic medications or mid-tier medications
SilverScript Plus $68.97 Take brand-name or high-tier medications

Although costs vary by zip code, the average nationwide monthly premium cost of the SmartRX plan is only $7.08, making it the most affordable Medicare Part D plan on the market. The Choice plan averages $30.78 per month, and the Plus plan averages $68.97 per month nationwide.

Each SilverScript plan is an excellent option for coverage. However, depending on the medications you take, one could be more beneficial to you than the other.

For example, someone with a few generics would find the Plus plan more insurance than necessary and might gravitate towards the SmartRX plan. On the contrary, a person with many brand-name drugs could discover that the SmartRX plan does not cover their brand-name drugs as well as the Plus plan would.

SilverScript Network Pharmacies

The preferred pharmacies with SilverScript vary depending on which policy you have. However, the differences are not too significant. The SmartRX plan preferred pharmacies include CVS, Walmart, and thousands of independent drug stores nationwide. The Choice and Plus plan adds Publix, Kroger, and Albertsons to their list of preferred pharmacies as well.

If you want to eliminate the hassle of driving to the pharmacy, all SilverScript plans offer CVS Caremark Mail-Order Pharmacy as an option. This mail-order pharmacy is in all three plans as a preferred pharmacy.

SilverScript Overall Review

SilverScript has rightfully earned the top spot on our list of top five prescription drug plans with low-cost plans that warrant high coverage for many prescription medications. With excellent customer service, low monthly premiums, deductibles, copayments, and a high customer satisfaction rating, there is likely a SilverScript plan to meet everyone’s needs.

Humana Medicare Part D Plans

  • Walmart Value Rx Plan
  • Basic Rx Plan
  • Premier Rx Plan
Humana Medicare Prescription Drug Plan Average Monthly Premium Recommended for those who
Humana Walmart Value Rx Plan $22.70 Take few generic medications
Humana Basic Rx Plan $50.60 Take several generic medications or few mid to high-tier medications
Humana Premier Rx Plan $78.60 Take multiple brand name or high-tier drugs

The Humana Walmart Value Rx Plan is excellent for someone with very few generic medications, or certain name-brand medications. The Basic plan is best for those who are taking a few more maintenance medications that are both generic and name brand. As for the Premier Plan, this is best for those who take higher-tier medications and need a higher level of coverage on those.

With an average monthly premium in 2022 of $22.70, $50.60, and $78.60, respectfully. The Walmart Value, Basic, and Premier plans are great options for many Medicare Part D beneficiaries.

Humana Network Pharmacies

Preferred Pharmacies on the Humana network are easy to remember – consisting of Walmart, Sam’s Club, and thousands of local pharmacies. Humana policyholders also have access to Humana Pharmacy. This is a mail-order pharmacy that offers the lowest possible drug costs on Humana plans. For a full list of Humana pharmacies, a lookup tool is available on the Humana mobile app.

Humana Medicare Part D Overall Review

Offering $0 copayments on many generic drugs on all their plans, Humana is a great option for someone who primarily uses generic drugs. All three plans have a $480 deductible that can be met quickly if you take higher-tier drugs. With an option for everyone, Humana Medicare Part D plans could potentially save you the most money in 2022.

Mutual of Omaha Medicare Part D Plans

  • Mutual of Omaha Rx Premier
  • Mutual of Omaha Rx Plus
Mutual of Omaha Medicare Prescription Drug Plan Average Monthly Premium Recommended for those who
Mutual of Omaha Rx Premier $34.80 Take several generic medications or mid to high-tier medications
Mutual of Omaha Rx Plus $90.82 Take many name-brand medications

With an average monthly premium of $34.80, the Premier policy has no deductible on medications in the first two tiers at preferred pharmacies. But, this plan has a $480 deductible on all other tiers.

Averaging $90.82 per month, the Plus Plan has a deductible of $480 that applies to all tiers. However, the Plus plan has a broader range of drugs that have coverage.

Mutual of Omaha Network Pharmacies

The Mutual of Omaha preferred pharmacy network is the same for both plans. CVS, Target, Sam’s Club, Walmart, and many regional pharmacies are included in the list of preferred pharmacies with Mutual of Omaha.

Mutual of Omaha Medicare Part D Overall Review

Mutual of Omaha has been in the Medicare Supplement industry since Medicare began. Those looking for a reliable company could find benefits here.

With one of the highest-rated customer service departments, this top-rated insurance carrier helps many people each day. By incorporating Medicare Part D, and offering plans for various coverage levels, they can assist even more.

UnitedHealthcare Medicare Part D Plans

  • Walgreens Plan
  • Saver Plus Plan
  • Preferred plan
UnitedHealthcare Medicare Prescription Drug Plan Average Monthly Premium Recommended for those who
UnitedHealthcare Walgreens Plan $30.25 Take generic medications
UnitedHealthcare Saver Plus Plan $56.02 Take many name-brand drugs or mid-tier medications
UnitedHealthcare Preferred Plan $99.76 Take many name-brand and high-tier medications

Those with a shorter list of generic medications would be best suited for the Walgreens Plan, and those with higher tier brand-name drugs would find their most significant coverage on the Preferred Plan. However, if you lie somewhere between, the Saver Plus Plan might be best for you.

UnitedHealthcare Preferred Pharmacy

Preferred pharmacies differ from plan to plan for UnitedHealthcare Medicare Part D. The Walgreens Plan offers the smallest network of preferred pharmacies, with Walgreens being the only preferred pharmacy. The Preferred Plan and Saver Plus plan offer pharmacies like Publix, Walmart, or Walgreens. There are several other in-network pharmacies that offer you coverage, just at a slightly higher price.

UnitedHealthcare Medicare Part D Overall Review

UnitedHealthcare has a wide range of insurance products and boasts a great track record with customers.

The cost of their plans is generally a bit higher than most others. But, if you have specific drugs that only they cover, this plan could be your best option.

Cigna-HealthSpring Medicare Prescription Drug Plans

  • Cigna Secure Rx
  • Cigna Essential Rx
  • Cigna Extra Rx
Cigna Medicare Prescription Drug Plan Average Monthly Premium Recommended for those who
Cigna Secure Rx $30.40 Take mostly generic medications
Cigna Essential Rx $32.81 Take a few generic medications or mid-tier medications
Cigna Extra Rx $60.59 Take brand-name or high-tier medications

The Essential policy is the lowest premium option, and the Extra has a higher premium than the other two. Like all Part D plans, there is not an option that is going to be the best for everyone.

To find the most suitable coverage, comparing all available options is necessary. Those with multiple brand name medications, needing gap coverage, could benefit from a Cigna-HealthSprings Secure-Extra policy.

Cigna Medicare Part D Preferred Pharmacy

As far as in-network, Cigna has contracts with over 63,000 pharmacies nationwide. Preferred pharmacies include Kroger, Rite Aid, Walmart, Sam’s Club, Walgreens, and MANY more.

For the most savings, consider enrolling in their mail-order pharmacy program.

Cigna Medicare Part D Overall Review

The biggest highlight of the Cigna Rx plans are its pharmacy network. There are several plan options, and thousands of drugs have coverage. However, drug prices may not be as low as some other carriers. Convenience often warrants a higher cost. If they have the lowest annual cost for you, it’s worth the enrollment.

Medicare Part D Star Rating Factors

The following are the three factors that are a part of a Medicare Part D plan star rating.

Plan’s Customer Service

Quality customer service is essential, especially when something goes wrong. You want a company that is going to help you through any issues as quickly as possible. Face it, when there is an issue, the last thing you want is to be on hold for hours on end.

Member Experience

Medicare cares about the experience beneficiaries have with the plan. When lots of members rate high satisfaction, the rating reflects that. Those that file a complaint could impact the ratings of that plan. Further, rating factors consider the improvement a plan makes year after year based on customer feedback.

Accuracy of Drug Pricing and Drug Safety

Plans that have accurate price information are more likely to have higher ratings. Further, Medicare monitors plans for drug safety.

FAQs About Best Medicare Part D Plans

Where can I compare Medicare Part D plans?
When you work with our agents, you reap the benefits of working with an expert. Our agents have access to the top-rated carriers in the nation, let them do all the hard work. Give us a call at the number above and save yourself time and money.
Does Walmart have a prescription drug plan?
Walmart is NOT an insurance company. However, they do take Humana and have a “Humana Walmart Value” policy. Humana is the insurer. Walmart does offer a pharmacy savings program where many generics are only $4. But, it doesn’t replace insurance. Even though it’s not mandatory, you need Part D when you have Medicare.
How to choose Medicare Part D plans?
Most agents are going to recommend going with the policy that has the lowest annual cost for YOU. Those that choose to find coverage alone are at a disadvantage. There are so many challenges in the insurance industry. When you work with an agent, you get a policy that’s right for you.

How to Find Prescription Drug Plans for Seniors on Medicare

There are many choices for Medicare prescription drug plans in 2022. And, if you're eligible for Medicare, you're eligible for Medicare Part D.

You should always consult with a licensed Medicare agent to ensure your drugs have coverage on the Part D formulary. Besides, you don’t want to accidentally enroll in a Medicare Supplement (Medigap) Plan D, thinking you have Medicare Part D coverage!

Our licensed agents can walk you through a needs analysis to help you identify the best options in your service area. Once you can confidently select your policy, they can guide you through the application and enrollment process. In addition, once you work with us, you will have unlimited access to our customer care team who can help with anything from ordering new Medicare cards to help with claims.

If you would like to compare rates in your area, give us a call at the number above. Is calling right now not an option? Fill out our online rate comparison form and start saving money!

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Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

56 thoughts on “Top 5 Best Rated Medicare Prescription Drug Plans for 2022

    1. You can search your plan and Drugs on Medicare.gov or you can find this information by contacting your plan carrier.

  1. Hello, I have part D with SliverScript. Been paying them for years and never use for my meds cause GoodRX saves me so much more money. My question is if I’m in the hospital does SliverScript paid for any or part of the meds along with Medicare that I need while there? If they don’t I will drop them I can’t see paying them monthly for something I not using.

    1. Rick, if you are prescribed any medications in an inpatient (hospital) setting, this would be covered under Medicare Part A, not your Medicare Part D plan. However, before cancelling, consider the possible penalty that would be applied if you cancel and decide to reenroll in any Medicare Part D plan at a later date.

  2. I’m confused. Why does every article about Medicare that I have read say that Part D is not required; yet, if you wait to sign up for Part D until after the 63 days (? not sure of exact time period) that you are no longer covered under an employment health policy, you will be penalized for not signing up as soon as you could.

    1. Hi Rhonda – no part of Medicare is required. Yet, if you eventually sign up and it is past a certain window, you will need to pay the penalty. If you never sign up, you won’t be penalized.

  3. Hi Lindsay, thank for the information! One question I have when a Part D drug plan is about the formulary and how it compares/varies, is more or less inclusive, etc…. Does the plan carry ‘a lot’ of drugs? Also, I’m guessing ‘experimental’ drugs aren’t part of Part D…. are they covered in Part A and/or B? Thanks for sharing your knowledge.

    1. Hi Sidnie! Each Part D plan has its own formulary. You can use the plan finder tool on Medicare.gov to plug in your medications and see which Part D plans cover them. Your guess is correct, Medicare does not cover experimental drugs. They must be FDA-approved.

      1. If I have Medicare Part D do I still need to purchase a supplemental Prescription Drug Plan (e.g. Anthem Blue Cross MediBlus Rx Plus – PDP)? Thank you.

      2. Hi Bonnie – Part D plans are prescription drug (PDP) plans. Therefore, if you have prescription drug coverage through Part D, you won’t need to take on more.

  4. Hello Lindsay
    recently enrolled in Humana drug plan I see now that this a horrible plan so far they ether will not covered the medincie or the cost is thru the roof Im a heart patient in active heart failure and they would like to change all my medicine how do I cancel this coverage and move to a better plan paying well over 1000.00 for medicine that use to cost me about 200.00

  5. Lindsay, we have an AARP MedicareRx prescription drug plan that requires us to Walgreen’s. While I have nothing against Walgreen’s, we would like to get our prescription drugs at Publix which is more convenient. What is the cost difference between using Publix rather than Walgreen’s with our plan. Thanks in advance.

    1. Hi Nick! You would need to use the Plan Finder tool on Medicare.gov to determine this. Without knowing what plan you’re on, the medication your taking, and your zip-code, I can’t pull up the costs for you. The Plan Finder Tool will allow you to see both Publix and Walgreens costs for your medications under your current Part D plan.

  6. Hi Lindsay! I retired 9/01/2020. While working my pharmacy plan was covered by BCBS of AL. I recently purchased a pharmacy plan through BCBS; BlueRx. I have not even had this plan a month. Publix pharmacy will not fill my perscriptions because I had used them years ago with the plan i had through work. Publix tells me that former card needs to be deleted before I can use my new card. BCBS says that they never delete any of their cards out of the system. I need my medication. They also told me (Publix) that the situation would be the same if I choose another pharmacy. Can you help me?

    1. Hi Mary! I’m sorry you’re having such a problem with your new drug plan! This doesn’t make sense. You should be able to just show them your new prescription card. If you enrolled through us, give our Client Care Team a call, they can help figure this out. If you enrolled with another agent, I would contact them, they should be able to help you. If you self-enrolled, I would try to get both Publix and BCBS on the phone at the same time to get this resolved. Otherwise, you’ll be playing a game of he said she said. Something just doesn’t add up.

  7. Good Morning, I have lost my job through this pandemic and have no insurance. My Wife has Medicare A&B since 11/01/2014, she is 70 years old. I am looking for prescription coverage for her and have no idea what to do. She takes the following prescriptions: Metoprolol ER Succinate 100mg 90 pills / Escitalopram: 20 mg 30 pills. / Spiriva 18Mcg Caps 30 Caps Inhaler. Would you please be able to direct me in the correct direction? Thank you very much.

    1. Hi David! Of course, we can help! Give us a call with your wife’s current prescription medications listed above. We can input them in the system and find her a Part D plan. Since plan prices vary by state, we need to know your zip code as well. We look forward to helping you and your wife!

  8. My son is looking for a plan that includes Vraylar in Colorado (81003) with the lowest cost . Thanks for your help

    1. Hi Leo! All Part D plans will cover Vraylar. Give us a call so we can pull the pharmacies in your area to determine which one will have the best price for your medication when using a Part D plan.

  9. We have pre-existing illnesses: glaucoma, collapsed lung, hypertension. Does this mean that insurance companies would not accept us? We live in the 6341 area.

    1. Hi Ellen! No, that doesn’t mean an insurance company won’t accept you. Give us a call so we can gather your health information to see which carrier accepts those pre-existing conditions.

    1. Hi Tom! That depends on many factors including where you live and the specific medications you’re prescribed. I would recommend giving us a call so we can help. You can also use the Plan Finder Tool on Medicare.gov as a starting point.

  10. Lindsay Engle, for whom do you work? I’m sorry, but I cannot tell from this. You seem very helpful, which is why I am curious. Thanks!

  11. @Patsy Moore – my wife was prescribe Eloquis this year as well and it is expensive. We were also told we had to go to Target for her meds which turned out to be a blessing since the Tech there told us about a coupon from Eloquis that works for 1 year, her prescription is $10 per month for that year.

  12. I just spent 2 hours on the phone and had to deal with 9 different salesmen to change my part d insurance with Humana. Humana doubled my monthly premium on my 2019 Walmart plan so I was moving my plan to the new Walmart 13.20 per month plan. Next year I will use the government comparison and sign-up website. Humana service for transferring plans is horrible.

    1. Hi Ron! That’s the trouble with a Humana agent, they can only compare other Humana plans. If you’re a client of ours that has a Medigap plan through us, we can compare Part D plans with all carriers to find you the best prescription drug plan that fits your needs & budget.

  13. I can’t see why are government is letting the prescription ins companies take advantage of everyone especially seniors. My Humana r x p!an will go from $27.50 to $59.10 and I still only take the same generic brands on tier 1.

  14. Humana is raising my monthly from 26.30 to 55.30 in 2020. Are all plans doing the same rate increases? Which is the least expensive monthly rate?

  15. My husband has Medicare Humana for the drug plan. He has been prescribed Eliquis. Will this be outrageously expensive? We use Walgreens Pharmacy.

  16. hello,I am in the 94941 zip code and take 5 drugs which are all generic and “formulary” when I type them into the medicare part D finder tool. Then it says 30 plans are available! and there are some 6 pharmacies. I have always gotten these meds in 3 month supplies via mail order from via old carrier which was the cheapest way to go. Is that true for Medicare part D plans? Also, I cannot tell from their comparison tool how much the actual co pay is for each drug if any. How do I find that out? And my last question is if I am prescribed a new prescription not on my list and I choose mail order for regular prescriptions then how do I know what pharmacy to go to?Thank you!!!

    1. Hi Jean! There will be a new Medicare plan finder tool launching October 1st. The new tool shows price differences when using mail order and 3-month supplies. It does look like the cost is lower if you choose mail order. The new tool should also tell you how much the actual co-pay is for each drug. Regarding being prescribed a new medication, you would just need to use the same tool to find out which pharmacies in your area carry it that accept your plan. Hope this helps!

  17. I am having a hard time deciphering the nuances of the supplemental prescription drug plans. I will need to take either Eliquis or Xarelto as well as Lisinopril. Any advice?

  18. We are about to apply for Medicare and my wife has 3 drugs that Silver Script shows are not covered when submitting our drug list. She takes Singulair and cannot take the generic due to adverse side effects causing severe insomnia. Also, indications are that 2 others, Soma and Fioricet are not covered. These are expensive drugs. Is there a plan that will cover them?

    1. Hi Terry! Unfortunately, it looks like Medicare does not cover Singulair. About 45% of Part D and Medicare Advantage plans do cover Soma & Fioricet. Silverscript is not one of them. Your best bet is to call Medicare to see which plans are available in your area that will cover the above medications. Without knowing your location, we can’t look up which plans are available to you.

  19. My husband needs a prescription plan.he was with Humana for 5 or 6 years but left it we didn’t understand it .now we know .my husband has a bad lung disease now and has to take 2 kinds of treatments everyday plus oxygen .what would b a good plan for him ?

    1. Hi Becky! This is a hard question to answer without getting more information regarding your specific situation. He could be responsible for the Part D penalty if he didn’t have creditable coverage since he’s been Medicare eligible. I would recommend giving us a call so we could go over your situation more in detail to find you the best plan option in your area.

  20. My spouse is getting close for Medicare. He takes an expensive med. that keeps him alive. Tasigna, (CML Leukemia) Are there any of these plans that have a “specialty” drug program that can help him receive the medicine. We are not rich so we need help with paying for the medication. as well.

  21. Hello, I am looking for a plan that best covers MS drugs, in general, and Aubagio in particular. Thank you.

    1. Hi Gary! About 60% of Medicare plans will cover Aubagio. We would need to know your specific information, such as location, to determine what plans are available to you.

  22. I’m looking for a prescription plan that will cover the drug Repatha injectables. What would be the best plan?

    1. Hi George! Most Part D plans will cover Repatha. Since each carrier offers different plans in each state, your location will determine what plan is best for you.

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