Prescription Drug Costs in Delray Beach: What Seniors Need to Know

For many seniors in Delray Beach, prescription drug costs are one of the most confusing parts of Medicare.

You may have experienced:

    •    Copays that seem higher than expected

    •    Medications suddenly no longer covered

    •    Costs changing mid-year

    •    A deductible you didn’t realize applied

If so, you’re not alone. Medicare prescription coverage can feel complicated — and small details can make a big financial difference.

Why Costs Vary So Much

Prescription drug coverage usually comes through either:

    •    A standalone Part D plan

    •    A Medicare Advantage plan that includes drug coverage

What many people don’t realize is that each plan is structured differently.

Plans have:

    •    Their own drug lists (called formularies)

    •    Different pricing tiers

    •    Different pharmacy networks

    •    Different deductibles

Two seniors in Delray Beach taking the exact same medication can pay completely different amounts depending on their plan.

That’s where confusion — and unnecessary expenses — often begin.

Common Reasons Seniors Overpay

Here are a few issues that frequently lead to higher costs:

Formulary Changes

Plans can move medications to a higher tier or remove them from preferred status each year.

Pharmacy Networks

Using a non-preferred pharmacy may increase your copay.

Coverage Phases

Drug costs move through stages during the year, which can change what you pay over time.

Extra Help Programs

Some seniors qualify for additional assistance to lower premiums and copays — but many never check their eligibility.

Because every person’s medication list, income level, and pharmacy preference is different, there isn’t one plan that works best for everyone.

Why a Local Review Can Help

Prescription drug coverage isn’t something most people should guess about. Even small plan differences can add up over months or years.

If you live in Delray Beach and feel unsure about your prescription costs, reviewing your coverage with someone familiar with Medicare options can help clarify what’s available.

Medicare Plan Assistance works with seniors locally to review plans, answer questions, and help determine whether current coverage still makes sense.

📞 If you have questions about your prescription costs or want to review your options, call Medicare Plan Assistance at (561) 808-9410 for clear, personalized guidance.

Sometimes a simple conversation can help prevent unnecessary expenses — and bring peace of mind.