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Top 5 Rated Medicare Prescription Drug Plans for 2022


When choosing Part D coverage, it’s important to know which is the best Medicare prescription drug plan for 2022. Also, by knowing what to expect, you can stay ahead of the game.

Drugs can be costly, and new brand-name drugs can be the most expensive. With age, you’re more likely to require medications.

Medicare’s standalone Part D plan can cover you. Part D plans have a monthly premium that insurance companies determine.

There may be several plans as well as companies to choose from in your state. Policies vary by county, so moving may warrant a plan change.

What are the Top 5 Rated Medicare Prescription Drug Plans for 2022

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

The highest rating a plan can have is 5-star. Just because a policy is 5-star in your area doesn’t mean it’s the top-rated plan in the country.

There is no nationwide plan that has a 5-star rating. The best option for you could be the most expensive for your spouse.

A suitable policy is the most affordable one for YOU. Spending time making sure your plan is the best value is a serious recommendation.

With the rising cost of prescriptions, it’s more important now than ever before to make sure that you find the best policy.

Some plans give you extra benefits when you reach the “donut hole,” while others don’t.

Plans often have a network of pharmacies. But, mail-order drugs could be the savings you’re looking for when it comes to getting your pills.

Also, you may find extra savings with a Medicare Part D discount card. Your monthly costs depend on your state and the plan you select.

Best Rated Medicare Part D Plans

SilverScript Medicare Prescription Drug Plans

There are three different plans available with SilverScript. The Choice, the Plus plan, and the SmartRx plan.

All policies are a great option, 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 to be more insurance than necessary.

On the contrary, a person with many brand name drugs could find the Plus plan is more suitable than the Choice policy.

SilverScript Network Pharmacies

The preferred pharmacies with SiverScript vary depending on which policy you have. For those with the Choice plan, there are fewer options.

For example, the Choice plan preferred pharmacies are CVS, Walmart, and thousands of community-based independent drug stores.

Then, the Plus plan includes CVS, Walmart, Publix, Kroger, Albertsons, as well as many grocery stores and retailers.

CVS Caremark Mail Order pharmacy is an option with your plan, so if you want to skip driving to the pharmacy, you can!

SilverScript Reviews

Both plans offer $0 copays for preferred generics at preferred pharmacies during the initial coverage phase.

SilverScript is one of the largest Part D insurers. They have 24/7 customer service, online tools, and medication programs to keep you on track.

The only downside I can think of, they only offer two plans. Many of the other top companies have at least three options.

Humana Medicare Part D Plans

  • Walmart Value Rx Plan
  • Basic Rx Plan
  • Premier Rx Plan

The Humana Walmart Value Rx Plan offers the cheapest Medicare Part D plan premium in 47 states plus D.C. Humana’s Walmart plan is excellent for someone with no medications or a couple of generics.

Although it depends on your collection of medications, some people with Brand name medications could find the Humana Walmart plan is still the most suitable.

But, if you take a plethora of brand name prescriptions, the Premier Plan is likely more suitable.

Humana Network Pharmacies

The Humana Walmart plan preferred pharmacy isn’t hard to remember; Walmart, Neighborhood Walmart, and Sam’s Club.

Humana Pharmacy is a mail-order program that saves you time and money.

Humana Part D Reviews

Many generics with Humana have a $0 deductible. Further, they have a variety of plan options, something for everyone.

The high deductible on brand name medications isn’t that great, and you have to go to Walmart to get the best savings.

Overall? If Humana can save you the most money during 2022, we suggest giving them a chance.

Cigna-HealthSpring Medicare Prescription Drug Plans

Like most of the big companies, Cigna offers three PDP options to beneficiaries.

Plans available through Cigna:

  • Cigna Health-Spring Rx Secure
  • Secure-Essential
  • Secure-Extra

The “Essential” policy is the lowest premium option, and the “Extra” has a higher premium than the other two. Like all insurance, the best plan for your neighbor might not be the most suitable for you.

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 Part D Preferred Pharmacies

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 Part D Reviews

The Cigna pharmacy network is a big pro. There are several plan options, and thousands of drugs have coverage.

Considering that the other companies offer $0 copays in Tier 1, there is still room for Cigna to improve.

But, Cigna has been around quite some time; if they have the lowest annual cost for you, it’s worth the enrollment.

Mutual of Omaha Medicare Part D Plans

There are two Mutual of Omaha Part D plans. They are the MOO Rx Value PDP and the MOO Rx Plus PDP.

The Value policy has no deductible on the first two tiers at preferred pharmacies. But, the Value plan has a $445 deductible on all other tiers.

The Plus Plan has a deductible of $445 that applies to all tiers. However, the Plus plan has a broader range of drugs that have coverage.

Mutual of Omaha Network Pharmacies

The Value plan allows you to get your tier 1 generics for $0 through mail order or a preferred pharmacy.

Further, this carrier includes an extensive pharmacy network like CVS, Walmart, and various local shops.

Mutual of Omaha Part D Reviews

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

While they’re new to the Part D sector, we don’t doubt the quality of coverage. The top-rated insurance carrier helps many people each day, by incorporating Part D into their business plan, they’re able to assist even more.

UnitedHealthcare Medicare Part D Plans

The three options available with UnitedHealthcare include the Walgreens plan, Preferred, and Saver Plus plans. Those looking for a lower premium option with UHC need to look into the Walgreens policy.

But, those that have an extensive list of medications should consider a more comprehensive policy like the Saver Plus.

United Healthcare Preferred Pharmacy

The Walgreens policy is the pharmacy that is the most cost-efficient. But, mail-order is generally the best pharmacy to use if you’re trying to save the most money.

With the Saver Plus, you can go to Publix, Walmart, or Walgreens. There are network pharmacies that offer you coverage, just at a slightly higher price.

UnitedHealthcare Part D Reviews

UnitedHealthcare has a wide range of insurance products, and they’ve been around for a long time. The company does more than Medicare.

You may have UHC through an employer, if not now, maybe at some point. They offer plans throughout the nation, which makes it easy for anyone to sign up with them.

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.

Medicare Part D Star Rating Factors

Plans 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.

When there is an issue, you don’t want the policy that has you on hold for days. You want a company that’s going to be there for you.

Customer service is essential to us; we choose to represent companies that treat clients with excellent customer service.

Further, we have our own client care team that can help you anytime there is an issue with your policy.

Members 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 include the amount of improvement a plan makes.

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.

For example, most people with diabetes should be taking cholesterol medication.

FAQs

Where to 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 when it comes to Medicare prescription drug plans in 2022. And, if you're eligible for Medicare, you're eligible for Part D.

You should always consult with an agent to ensure your drugs have coverage on the Part D formulary. Besides, you don't want to accidentally enroll in Medigap Plan D thinking you have Part D coverage!

Our 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.

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.

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

  1. 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.

  2. 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

  3. 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.

  4. 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.

  5. 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!

  6. 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.

  7. 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.

  8. 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!

  9. @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.

  10. 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.

  11. 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.

  12. 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?

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

  14. 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!

  15. 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?

  16. 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.

  17. 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.

  18. 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.

  19. 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.

  20. 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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