​​​Stan Fortier Insurance Services 

Yakima, WA.  Since 1989

Never a Fee to Speak with Us!

509-575-0016 stanfortier@charter.net

With Locations in Terrace Heights and

Downtown Yakima

Medicare offers prescription drug coverage to everyone with Medicare. If you decide not to join a Medicare Prescription Drug Plan (Part D) when you're first eligible, or if you decide not to join a Medicare Advantage Plan (Part C) (like an HMO or PPO) or other Medicare health plan that offers Medicare prescription drug coverage, you'll likely pay a late enrollment penalty unless you have other creditable prescription drug coverage, or you get "Extra Help."

To get Medicare drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare. Each plan can vary in cost and drugs covered.


​​Each Medicare Prescription Drug Plan has its own list of covered drugs (called a formulary). Many Medicare drug plans place drugs into different "tiers" on their formularies. Drugs in each tier have a different cost.

A drug in a lower tier will generally cost you less than a drug in a higher tier. In some cases, if your drug is on a higher tier and your prescriber thinks you need that drug instead of a similar drug on a lower tier, you or your prescriber can ask your plan for an exception to get a lower copayment.

509-823-4515, Email Us 

 We are here to help.

Part D drug plans can be confusing with terms like: "formulary," "tiers," and "coverage gap." No worries.  We are here to help answer your questions.

Prescription Drug Plans, Part D

Part "D" Prescription Drug Plans

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