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Andrew Smith

Andrew Smith

Top 5 Best Medicare Part D Plans for 2022


The most costly insurance policies aren’t necessarily the best option. Knowledge of the top Medicare Part D plans in 2023 is invaluable when searching for a drug coverage supplement to Original Medicare. This knowledge will help you get the most out of your prescription drug benefits.

The likelihood of needing regular prescription medication increases as people age. New brand-name drugs are typically the most expensive option for medication. Prescription drug costs are partially covered by Medicare Part D plans.

Selecting a Medicare Part D plan can be challenging due to the wide variety of available plans from different providers across the country. As a result, we have provided a list of the best five Medicare Part D plans available in 2023.

Moving may necessitate a switch in coverage, as policies vary by county. It is, therefore, important to learn about all Medicare Part D plans and the best plans currently available.

What are the Top 5 Best Medicare Part D Plans for 2023?

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

How Do Ratings Work for Medicare Part D Plans?

Plans for Medicare Part D are rated from one to five stars. One of the best policies in your area may not be the best policy in the country.
Both star ratings and the range of plans available are different depending on where in the country you live. Based on an average national rating, we’ve compiled a list of the five best Medicare Part D providers for 2023.

Please keep in mind that no one plan can meet the needs of everyone. One person’s ideal strategy may be another’s worst nightmare. Selecting the best Medicare Part D coverage for you involves making sure your plan provides value for the medications you require.

SilverScript Medicare Prescription Drug Plans

  • SilverScript SmartRx
  • SilverScript Choice
  • SilverScript Plus
SilverScript Medicare PDPAverage Monthly PremiumRecommended for those who
SmartSaver Rx$5.92Use a drug-free approach or just a few over-the-counter meds
Choice$33.60Consider utilizing a combination of generic and moderately effective medications.
Plus$75.58Use only top-shelf or name-brand drugs.

SilverScript policies are among the best Medicare Part D plans, so their inclusion on the 2023 top 5 list is not unexpected. Although prices vary by area code, the SmartRx plan has a national average monthly premium of only $5.92 and is therefore the most affordable Medicare Part D plan this provider offers. Monthly premiums for the Plus plan average $75.58 while the Choice plan costs an average of $33.60.

Each SilverScript plan is a superb healthcare investment. One of your medications may work better than the others.

Someone who only takes a handful of generics each month might find the Plus plan too costly and instead opt for the more affordable SmartRx plan. However, a person who takes numerous brand-name medications may find that SmartRx does not provide as comprehensive coverage for their medications as the Plus plan does.

SilverScript Network Pharmacies

SilverScript’s list of preferred pharmacies varies by plan. There are some distinctions, but they are minor. The SmartRx plan covers prescriptions at thousands of pharmacies across the United States, including CVS, Walmart, and a network of independent pharmacies. In addition, the preferred pharmacies of Publix, Kroger, and Albertsons are included in the Choice plans.

All SilverScript plans include CVS Caremark Mail Service Pharmacy if you’d rather not deal with the hassle of going to the pharmacy in person. More importantly, all three plans include this pharmacy as a preferred pharmacy option.

SilverScript Overall Review

There is no question that SilverScript should be at the top of this list. There is likely a SilverScript plan that will meet everyone’s needs thanks to the company’s excellent customer service, low out-of-pocket costs, and high customer satisfaction rating.

Humana Medicare Part D Plans

  • Walmart Value Rx Plan
  • Basic Rx Plan
  • Premier Rx Plan
Humana Medicare PDPAverage Monthly PremiumRecommended for those who
Walmart Value Rx$32.50It’s probably a good idea to pop a few over-the-counter
Basic Rx$45.05Use a combination of low-cost generics and higher-priced specialty drugs
Premier Rx$84.65Use a combination of different prescription drugs

We rank Humana as the second-best Medicare Part D plan for the year 2023. If you only take a handful of prescription medications each month and mostly use store brands or generics, the Humana Walmart Value Rx Plan is a great option.

If you need to take a combination of generic and brand-name maintenance medications, the Basic plan is your best bet. However, the Premier Plan is ideal for those who require comprehensive coverage for expensive medications.

Humana Network Pharmacies

Humana’s preferred pharmacies are widely available and include familiar names like Walgreens, CVS, and Target, as well as thousands of independent drug stores. Humana Pharmacy is available to those who have a policy with Humana.

Humana Pharmacy, Humana’s mail-order pharmacy, provides the most affordable drug prices through this provider. The Humana app for mobile devices also features a search function. The app provides a comprehensive database of all pharmacy locations that accept Humana.

Humana Medicare Part D Overall Review

Humana is a good choice for someone who primarily uses generics because all of their plans feature $0 copayments for many generic drugs. If you regularly use expensive prescription medications, you may quickly reach the $505 deductible shared by all three plans. Humana Medicare Part D plans offer something for everyone and may be the best way to save money in 2023.

Mutual of Omaha Medicare Part D Plans

  • Mutual of Omaha Rx Premier
  • Mutual of Omaha Rx Plus
Mutual of Omaha Medicare PDPAverage Monthly PremiumRecommended for those who
Rx Essential $18.30Regularly use nonprescription or generic drugs
Rx Premier$73.70Take a combination of generic and brand-name drugs.
Rx Plus$79.80Several different name-brand drugs

Third, on our list of the top 5 best Medicare Part D plans for 2023 is Mutual of Omaha Insurance Company’s offering. The Rx Essential plan has a low average monthly premium of $18.30 and no deductible for the first two tiers of covered medications at preferred pharmacies. Nonetheless, the plan’s deductible for the middle and lower tiers is $505.

The Plus Premier plan costs about $73.70 per month on average and has a deductible of $505 across all coverage levels. The Plus plan, however, includes more pharmaceuticals in its coverage.

Finally, the Rx Plus plan has excellent coverage for people who need to take multiple brand-name medications, as well as low copayments for generic and other tiers of drugs. There is an average monthly cost of $79.80 for this plan.

Mutual of Omaha Network Pharmacies

The pharmacy benefit manager for this insurance provider is the same for both plans. Mutual of Omaha has a list of preferred pharmacies that includes CVS, Target, Sam’s Club, Walmart, and a wide variety of local pharmacies.

Mutual of Omaha Medicare Part D Overall Review

Established long before Medicare was implemented, Mutual of Omaha is a stalwart in the insurance sector. Those in need of a trustworthy carrier will benefit from working with this firm.

This leading Medicare insurance provider is frequently praised for its excellent customer service. They will be able to help even more people by providing options for varying degrees of coverage.

UnitedHealthcare Medicare Part D Plans

  • AARP Medicare Rx Walgreens Plan
  • AARP Medicare Rx Saver Plus Plan
  • AARP Medicare Rx Preferred plan
UnitedHealthcare Medicare PDPAverage Monthly PremiumRecommended for those who
AARP Medicare Rx Walgreens Plan$28.20Use only generic drugs
AARP Medicare Rx Saver Plus Plan$64.40Use a wide variety of top and middle-tier drugs
AARP Medicare Rx Preferred Plans$109.60Use a wide variety of top-tier and brand-name pharmaceuticals

We continue our look at the top 5 Medicare Part D plans for 2023 with UnitedHealthcare. The Walgreens Plan is best for those who only take a few generic medications, while the Preferred Plan is best for those who take multiple expensive brand-name medications. However, the Saver Plus Plan could be ideal if your needs fall somewhere in the middle.

UnitedHealthcare Preferred Pharmacy

Preferred pharmacies for UnitedHealthcare Medicare Part D subscribers vary by plan. With the Walgreens Plan, you can only get your prescriptions filled at Walgreens. However, Publix, Walmart, and Walgreens are all part of the pharmacy networks for both the Preferred Plan and the Saver Plus Plan. There are a few other pharmacies in the network that offer coverage but at a slightly higher cost.

UnitedHealthcare Medicare Part D Overall Review

UnitedHealthcare is a reputable insurance company that offers a wide variety of plans. The prices in the table above show that this provider’s plans are typically more expensive than their competitors. The Medicare Part D formularies offered by this company may be the only place to get the medications you need.

Cigna-HealthSpring Medicare Prescription Drug Plans

  • Cigna Saver Rx
  • Cigna Secure Rx
  • Cigna Extra Rx
Cigna Medicare PDPAverage Monthly PremiumRecommended for those who
Saver Rx$12.10Use generic versions of drugs as much as possible.
Secure Rx$35.48Consider utilizing a combination of generic and moderately effective medications.
Extra Rx$63.59Use only top-shelf or name-brand drugs.

The Saver Rx policy has the cheapest premium, while the Extra policy has the highest premium. There is no perfect Medicare Part D plan because different people have different needs.

Finding the best insurance requires looking at multiple options side by side. A Cigna-HealthSprings Secure-Extra policy may be useful for people who need coverage for multiple brand-name medications while in the Medicare Part D donut hole.

Cigna Medicare Part D Preferred Pharmacies

More than 63,000 pharmacies across the country participate in Cigna’s pharmacy network. Retailers like Kroger, Rite Aid, Walmart, Sam’s Club, Walgreens, and others are among the most frequently visited drugstores. Participating in their mail-order pharmacy program through Express Scripts can help you save the most money.

Cigna Medicare Part D Overall Review

The pharmacy network is the main selling point of Cigna’s prescription drug plans. Thousands of medications are included in this insurer’s multiple plan options. But the cost of medications may be higher than with other providers.

But the price of convenience is usually higher. However, it will be worthwhile to sign up with this insurance provider if your annual out-of-pocket expenses will be reduced by doing so.

How to Enroll in One of the Best Medicare Part D Plans

In 2023, Medicare recipients can select from multiple drug coverage options. Additionally, Medicare Part D is available to those who qualify.

If you want to know whether or not your prescription drugs are covered by Medicare Part D, it is best to check with a licensed Medicare agent. Even though these are the top 5 Medicare Part D plans for 2023, that doesn’t necessarily mean they’ll be the best plan for you and your prescription drug needs.

One of our licensed representatives will help you assess your requirements. Using the data provided, you can zero in on the most viable service providers in your area.

After you’ve decided on a plan, they’ll help you fill out the paperwork and enroll. When you work with us, you’ll have access to our 24/7/365 customer support team, which is here to help you with anything from ordering replacement Medicare cards to filing claims.

Call us at the number above or use our convenient online form to compare local rates and see how much you could save.


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Top 5 Best Medicare Part D Plans for 2022

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