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Medicare Part D Reviews: In-Depth Discussion and Price Comparisons

medicare part d reviews

If you check Medicare part d reviews, you may be surprised why you should sign up for a Medicare Part D plan. We’ll also give you guidelines on whether it’s right for you. We’ll take a look at what Medicare Part D coverage offers, and we’ll compare prices from different providers. We’ll also discuss whether or not it makes sense to sign up for Medicare Part D coverage and why you might want to consider an alternate option.

Medicare Part D Review: Affordable Plans for 2022

Unlike Medicare Part A and Medicare Part B, commercial insurance firms sell Part D plans, and the prices, inclusions, and other aspects of the policies can vary widely. Verify whether a plan covers your prescription medications before moving on to weigh the advantages and disadvantages of each.

Quality ratings from the Centers for Medicare & Medicaid Services, or CMS, are also considered. The best Medicare Part D plans for 2022 differ in the following ways:

Best for low premiums Aetna Medicare Part D
Best for overall quality AARP/UnitedHealthcare Medicare Part D
Best for $0-copay and $0-deductible options Humana Medicare Part D
Best for high-coverage, low-cost options Cigna Medicare Part D

Cigna Medicare Part D Reviews

View the ratings below to see how Cigna Medicare compares to other insurers.

Medicare rating: 3.5 stars The CMS has awarded Cigna’s Medicare Part D plans an overall quality rating of 3.5 stars out of 5.
A.M. Best financial strength rating: A For insurers, A.M. Best assigns credit scores. Cigna Global Insurance Company Ltd.’s Financial Strength Rating (FSR) of A was confirmed by A.M. Best in October 2021. With an A rating, Cigna demonstrates exceptional financial responsibility.
BBB Rating: Not rated The BBB has not given Cigna a rating. In the past three years, the business has handled 603 complaints involving all of its goods and services as opposed to simply stand-alone prescription drug programs.
NCQA rating: 2.5 to 3.5 stars The NCQA gives Medicare Advantage plans offered by all Cigna divisions in various states satisfaction ratings that range from 2.5 to 3.5 stars. HMOs and PPOs are rated plans that provide medication coverage; however, NCQA has not certified any plans. For Cigna’s stand-alone prescription medication plans, there are no NCQA ratings.
Consumer Affairs rating: 3.8 The preferred mail-order vendor for Cigna’s Part D insurance is Express Scripts. Based on 1,303 reviews, Consumer Affairs gave Express Scripts a grade of 3.8 stars. Reviews varied greatly based on each person’s interactions with customer support representatives, although unfavorable comments were being addressed.
J.D. Power ranking: 3rd out of 10 Based on coverage and benefits, provider options, costs, level of customer service, information and communication, and billing and payment, J.D. Power calculated how satisfied customers were with their Medicare Advantage Plan. Cigna HealthSpring placed third among the top 10 Medicare Advantage providers, with an overall score of 822 out of 1000.

AARP Medicare Part D Reviews

View the ratings below to see how Aarp Medicare compares to other insurers.

Medicare rating: 3.9 The stand-alone AARP/UnitedHealthcare plans to receive an average rating of 3.9 stars based on the most recent year of data. The weighted average rating for all stand-alone Medicare Part D plans in 2022 across all providers was 3.7 stars. 
American Customer Satisfaction Index: 74 out of 100 UnitedHealthcare has a 2021 ACSI health insurance satisfaction benchmark score of 74 out of 100. UnitedHealthcare’s score is representative of all of its health insurance products, not just Medicare Part D insurance, as the ACSI gauges satisfaction with the health insurance sector as a whole. The maximum score was 75, and the average for the health insurance sector was 73.
AM Best Financial Strength Rating: A+ The UnitedHealth Group subsidiaries receive an A+ grade in this category, which means AM Best believes they have a superior ability to meet their ongoing insurance commitments.

medicare part d reviews

Aetna Medicare Part D Reviews

View the ratings below to see how Aetna/CVS compares to other insurers.

Medicare rating: 3.5 stars In the insurance sector, Aetna has a reputable history. The Centers for Medicare & Medicaid Services has given Aetna’s Part D plans an overall quality rating of 3.5 out of 5 stars (CMS).
A.M. Best financial strength rating: A For insurers, A.M. Best assigns credit scores. CVS Health Corporation has a Financial Strength Rating (FSR) of A.M. Best (Excellent). An A grade means that CVS/Aetna can pay its debts on time and in full.
BBB Rating: A+ With an A+ rating from the Better Business Bureau, Aetna, Inc. In the past three years, the firm has handled 721 complaints, but those concerns pertain to all of its services and products, not just standalone prescription medication plans.
NCQA rating: 2.5 to 4.5 stars The satisfaction ratings for Medicare Advantage plans offered by all Aetna divisions range from 2.5 to 4.5 stars, with more than 40 plans obtaining high-performance ratings, according to the National Committee for Quality Assurance. Most highly rated plans provide prescription coverage and are HMOs or PPOs. Aetna/CVS standalone prescription medication plans do not have NCQA ratings.
Consumer Affairs rating: 3.5 One of the preferred pharmacies for Aetna Part D plans is CVS, which is the parent corporation of Aetna. Based on 913 reviews, Consumer Affairs gave CVS Pharmacy a 3.5-star rating. Reviews differ greatly based on each person’s interactions with customer support representatives and the wait times at nearby pharmacies.
J.D. Power ranking: 7th out of 10 J.D. Power’s 2021 Medicare Advantage Study used coverage and benefits, physician choice, cost, customer service, information and communication, billing, and payment to gauge satisfaction with Medicare Advantage Plans. Aetna placed seventh among the top 10 Medicare Advantage providers with a score of 795 out of 1000.

WellCare Medicare Part D Reviews

Check out how Wellcare compares to other health insurance companies.

Medicare rating: 3.7 stars The Centers for Medicare & Medicaid Services has given the Medicare Part D Plans from Wellcare an overall quality rating of 3.7 stars.
A.M. Best financial strength rating: Not Rated For insurers, A.M. Best assigns credit scores. A.M. Best has not given Wellcare a rating.
BBB Rating: A- The parent business of Wellcare, Centene Corp, has nine complaints that have been resolved in the last three years, earning them an A- rating from the Better Business Bureau. The BBB gave Wellcare health plans in various states around the nation a variety of grades. Both Wellcare’s Medicare Advantage Plans and its stand-alone prescription medication plans have no BBB ratings.
NCQA rating: 2.5 to 3.5 stars The National Committee for Quality Insurance (NCQA), a prestigious certifying body, gave ratings of 2.5 to 3.5 stars out of 5 stars to Wellcare’s Health Plans, which include Medicare Advantage HMO and PPO plans. Although the company’s Medicare Advantage Plans often include prescription drug coverage, stand-alone drug plans are not evaluated separately.
Consumer Affairs rating: 3 stars Consumer Affairs gave Wellcare health insurance a 3 out of 5-star rating after reviewing 256 customer reviews. Reviews cover the Medicare Advantage Plans and stand-alone prescription medication plans offered by Wellcare. Poor customer service, aggressive marketing by Wellcare, and issues with prior authorization requirements are some of the complaints.
J.D. Power ranking: 9 out of 10 J.D. Power examined the level of satisfaction with Medicare Advantage Plans in its 2021 Medicare Advantage Study using the following crucial criteria: coverage, benefits, provider choice, pricing, customer service, information, communication, billing, and payment. Centene placed ninth among the top 10 Medicare Advantage providers with a score of 769 out of 1,000.

Humana Medicare Part D Reviews

See how the Humana Medicare Advantage Plans are rated by Medicare, A.M. Best, the Better Business Bureau, and more.

Medicare rating: 4 stars 97% of Humana’s Medicare Advantage members in 2022 are enrolled in plans with a four-star rating or above. From one in 2021 to four in 2022, the corporation increased the number of contracts with a five-star rating. The Centers for Medicare & Medicaid Services are responsible for determining these ratings.
A.M. Best financial strength rating: A- For insurers, A.M. Best assigns credit scores. A.M. Best reaffirmed Humana Inc. and its health insurance companies’ A- Financial Strength Rating (FSR) in October 2021. An A- grade means Humana can pay its financial obligations with ease.
BBB Rating: A+ Humana has an A+ rating and is certified by the Better Business Bureau. Humana has resolved 28 complaints over the past three years, eight of which came in the most recent year.
NCQA rating: 3.5 to 4 stars The National Committee for Quality Assurance gives Humana’s plans a good overall rating. Consumer Satisfaction, Prevention, and Treatment are the three measures that make up the majority of NCQA-accredited plans and have mid to high-performance ratings. The kind of plan (HMO or PPO) and the location where it is provided determine the specific ratings for each of these categories.
Consumer Affairs rating: 3.8 Consumer Affairs gives Humana a score of 3.8 out of 5 stars for overall customer satisfaction. Eight hundred seventy-five ratings submitted within the last year account for this score. Some customers gave the organization poor ratings because they felt constrained by the network or coverage limits of their plan, particularly for prescription pharmaceuticals, while others praised the company for its exceptional customer service and dependable coverage.
J.D. Power ranking: 4 out of 10 J.D. Power’s 2021 Medicare Advantage Study used coverage and benefits, physician choice, cost, customer service, information and communication, billing, and payment to gauge satisfaction with Medicare Advantage Plans. Humana placed fourth among the top 10 Medicare Advantage providers with an overall score of 822 out of 1,000.

Medicare Advantage vs. Medicare Supplement

Let’s see the key difference between Medicare Advantage vs. Medicare Supplement

Plan Name Medicare Advantage Medicare Supplement
Medicare Part A (Hospital Coverage)           Yes No, but furthermore offers coverage for out-of-pocket expenses1.
Medicare Part B (Medical Coverage)           Yes No, but furthermore offers coverage for out-of-pocket expenses1.
Medicare Part D (Prescription Drug Coverage).   Usually made up No, however, you can purchase additional insurance.
Out-of-pocket expenses covered (deductibles, copays & coinsurance).           No Yes, the policy you choose will determine how much coverage you get.
Other coverage included (vision, dental, and hearing). Yes, the majority of policies include extra coverage. No, however, you can purchase additional insurance.
Provider network Yes, seeing in-network doctors and hospitals lowers your expenditures. (Some plans might charge you more to visit doctors and hospitals outside the network.) No, you can select any Medicare-accepting hospital or doctor.
Free programs and services Contain many free programs and services that Original Medicare does not. Frequently contains free programs and services. 
offered through such as Cigna, and private insurers Private insurers, such as Cigna3
Works with If not already included, Part D prescription drug coverage. coverage for Part D prescription drugs and Original Medicare

For precise Medicare prescription plan and Medicare Advantage Plan costs, go to Medicare.gov to plan-compare. To learn more about the plans you’re interested in, give them a call. Contact your State Health Insurance Assistance Program for assistance comparing plan rates (SHIP).

Medicare Part D Price Comparisons

Medicare Plan Monthly Cost
Cigna Medicare Part D  $34.17
AARP Medicare Part D  $33 (stand-alone Part D plan) 
Aetna Medicare Part D  $7.07
Silver script Medicare Part D  $30.78
WellCare Medicare Part D  $11.85
Humana Medicare $170.10

When can you enroll in a Medicare Part D plan?

Open enrollment for Medicare Advantage is available annually from January 1 to March 31. If you currently have a Medicare Advantage plan, you can change to a different one that includes prescription coverage during this time. 

You have a special enrollment time that you can use to enroll in Part D after your first registration period has ended. You must fulfill specific requirements, such as the following, in order to be eligible:

In most cases, you have up to two months to enroll in a Part D or Medicare Advantage plan if your employer or union terminates your health insurance coverage.
You typically have up to two months to enroll in Part D or a Medicare Advantage plan with drug coverage if you lose prescription coverage that is deemed to be at least as good as a fundamental Part D plan, often known as “creditable coverage.” This creditable insurance may be provided by a company, a retirement plan, Tricare, or another organization. Every September, you’ll often receive a note informing you of the creditability of your insurance.
You typically have up to two months to change to a new Part D or Medicare Advantage plan if you relocate to a new address outside the coverage region of your current plan.
During the first three quarters of the year, you may switch Part D plans up to once per calendar quarter if you get financial assistance from the Part D Extra Help program.
You can enroll in a Medicare Advantage and Part D plan that the Centers for Medicare & Medicaid Services (CMS) awarded five stars in your area during the five-star special enrollment period, which runs from December 8 through November 30 of the following year. One once a year is allowed for use. After receiving the enrollment request from the plan, enrollment becomes effective on the first of the following month.

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