Browse Medicare Part D prescription drug plans
What is a Medicare Part D plan?
A Part D plan is private insurance that offers prescription drug coverage. You can get a Part D plan by itself (PDP) to work with Original Medicare, or as part of a Medicare Advantage plan (MAPD).
What are the benefits of a Part D plan from UnitedHealthcare?
UnitedHealthcare offers prescription drug coverage through standalone plans (PDP) and as part of most Medicare Advantage plans (MAPD).
They all have these benefits:
- You will have access to more than 65,000 retail pharmacies
- You can have prescriptions sent to you from Optum® Home Delivery Pharmacy
Part D plans generally don't cover drugs prescribed for anorexia, weight loss, weight gain, fertility, erectile dysfunction, cosmetic purposes or hair growth. They also don't cover prescription vitamins and minerals, non-prescription drugs, or drugs already covered by Medicare Part A and Part B.
What Part D plans are available from UnitedHealthcare?
UnitedHealthcare offers two Medicare Part D plans: AARP Medicare Rx Preferred and AARP Medicare Rx Saver. Availability may depend on where you live.
AARP® Medicare Rx Preferred
$1303 annual deductible for drugs in tiers 3, 4 and 5
Service area: National + U.S. Territories
Choose this plan: If you want our most extensive drug coverage and access to a broad pharmacy network
Drug list: Premium
Preferred Retail Network: Use a Preferred Retail Network pharmacy to get your plan's lowest cost-shares4
Optum® Home Delivery Pharmacy: $0 copay for a 90-day supply of Tier 1 and Tier 2 medication (typically generic drugs)5
AARP® Medicare Rx Saver
$615 annual deductible
Service area: National
Choose this plan: If you receive Extra Help from Medicare or want a robust pharmacy network
Drug list: Standard
Preferred Retail Network: Use a Preferred Retail Network pharmacy to get your plan's lowest cost-shares4
Optum® Home Delivery Pharmacy: $6 copay for a 90-day supply of Tier 1 medication (generic drugs)5
What does a Part D plan cost?
Costs vary depending on the number of prescription drugs you need, how often you take them, whether you get them from a network pharmacy, and what coverage stage you are in.
Standalone Part D plans charge a monthly premium and may also have an annual deductible, copays and coinsurance. For plans with an annual deductible, the 2026 limit set by Medicare is $615.
When you fill a prescription for a covered drug, you may need to pay a copayment (a set amount) or coinsurance (a percentage). Amounts vary based on what tier the drug is in and what pharmacy you use. Your costs may be lower if you qualify for the Extra Help program.
You pay the full cost of your prescriptions in the Deductible stage if your plan has one; in the Initial Coverage stage, you pay a copay or coinsurance; and in the Catastrophic Coverage stage, the plan pays the full amount for Medicare covered Part D drugs.
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Footnotes
Benefits, features and/or devices may vary by plan/area. Limitations, exclusions and/or network restrictions may apply. Not all plans available in all areas.
Optum Home Delivery Pharmacy and Optum Rx are affiliates of UnitedHealthcare Insurance Company. You are not required to use Optum Home Delivery Pharmacy for medications you take regularly. There may be other pharmacies in our network.
1 Applies to covered adult Part D vaccines recommended by the Advisory Committee on Immunization Practices (ACIP).
2 You will pay a maximum of $35 for each 1-month supply of Part D covered insulin drug through all drug payment stages except the Catastrophic Coverage stage, where you pay $0.
3 Preferred plans in U.S. Territories have a $615 deductible and 25% coinsurance for tiers 1–5.
4 AARP® Medicare Rx Preferred from UHC (PDP)’s and AARP® Medicare Rx Saver from UHC (PDP)’s pharmacy network includes limited lower-cost pharmacies in rural MT, NE, ND, SD and WY. There are an extremely limited number of preferred cost share pharmacies in suburban MT. The lower costs advertised in our plan materials for these pharmacies may not be available at the pharmacy you use. For up-to-date information about our network pharmacies, including whether there are any lower-cost preferred pharmacies in your area, please call us or consult the online pharmacy directory.
5 Optum® Home Delivery Pharmacy and Optum Rx affiliates may not be available in Arkansas.
$0 copay may be restricted to particular tiers, preferred medications, or home delivery prescriptions during the Initial Coverage stage and may not apply during the Catastrophic Coverage stage. Optum® Home Delivery Pharmacy and Optum Rx are affiliates of UnitedHealthcare Insurance Company. You are not required to use Optum Home Delivery Pharmacy for a 90-/100-day supply of your maintenance medication. Other pharmacies are available in our network. If you have not used Optum Home Delivery Pharmacy, you must approve the first prescription order sent directly from your doctor before it can be filled. Contact Optum Home Delivery Pharmacy any time at 1-888-658-0539 / TTY 711.