Medicare Prescription Drug Plans
Coleshill Insurance
Who needs a Medicare PDP?
Who needs a Medicare PDP?
People who:
Have Original Medicare (Part A + Part B) Medicare doesn’t include drug coverage, so a PDP fills that gap.
Take ongoing prescriptions Chronic conditions (diabetes, hypertension, heart disease, COPD, mental health meds, etc.) make PDP coverage financially essential.
Want protection from high drug costs PDPs cap exposure through formularies, preferred pharmacies, and catastrophic coverage.
Don’t have drug coverage from elsewhere No employer plan, no VA benefits, no retiree plan, no Medicaid → PDP becomes the primary drug coverage.
Want to avoid Medicare penalties If someone goes without “creditable drug coverage,” Medicare adds a permanent late‑enrollment penalty. PDP enrollment prevents that.
Who doesn’t need a PDP?
People who already have creditable drug coverage, such as:
VA benefits
TRICARE
Employer or union plans
Some retiree plans
Certain Medicare Advantage plans (MAPD) that already include drug coverage
The simplest rule
If someone has Medicare and doesn’t already have creditable drug coverage, they need a PDP.
⭐ Best Medicare PDPs in Arizona (2024–2025)
These are the plans that repeatedly score well for formularies, pharmacy networks, premiums, and overall drug cost control.
1. SilverScript (Aetna)
Huge formulary, excellent generic pricing
Strong preferred pharmacy network (CVS, Fry’s/Kroger)
One of the most stable PDPs year‑over‑year
Often the lowest total annual drug cost for AZ clients
2. WellCare Value Script / WellCare Classic
Aggressive low‑premium options
Good for clients with light or generic‑only medication lists
Solid mail‑order pricing
Very competitive in Maricopa County
3. Humana Walmart Value / Humana Premier
Walmart preferred pricing is extremely strong for generics
Premier plan is great for high‑cost brand medications
Humana’s customer service + stability is a plus
4. UnitedHealthcare (OptumRx)
Excellent for clients who prefer Walgreens
Strong brand‑name drug support
Good for people who want predictable copays instead of variable coinsurance
Quick rule for choosing the “best” PDP in AZ
The best PDP is the one that gives the lowest total annual drug cost for the client’s exact medication list — NOT the lowest premium.
Premiums lie. Formularies tell the truth.
Medicare Disclaimer
We do not offer every plan available in your area.
Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov, 1‑800‑MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
www.coleshillprotects.com
Gary A Coleshill
Licensed Agent
Office: 480 856 7782 x 100
Cell & Text 480 208 4366
NPN: 6746746