Palm Beach County Medicare Part D Plans 2025: West Palm Beach Prescription Drug Coverage
Palm Beach: 350,000+ Part D Enrollees, 780+ Pharmacy Locations, 68,000 Extra Help Eligible
Serving Palm Beach County from West Palm Beach to Boca Raton with comprehensive Medicare Part D prescription drug coverage. Access 780+ pharmacies including CVS, Walgreens, Publix, and Winn-Dixie, with formulary lookup tools, and local Part D specialists who understand South Florida's prescription drug needs.
💊 Palm Beach County Medicare Part D Prescription Drug Plans
🏥 Palm Beach County Pharmacy Network
780+ pharmacies across Palm Beach County provide convenient access to Medicare Part D prescription drug coverage:
- • CVS Pharmacy - 185+ locations (West Palm Beach, Boca Raton, Delray Beach, Wellington)
- • Walgreens - 160+ locations (county-wide coverage)
- • Publix Pharmacy - 95+ locations (convenient grocery store access)
- • Winn-Dixie Pharmacy - 45+ locations (competitive pricing)
- • Walmart Pharmacy - 22+ locations (low-cost generics)
- • Independent Pharmacies - 150+ local options
- • Costco Pharmacy - 3 locations (West Palm Beach, Boca Raton, Wellington)
- • Sam's Club Pharmacy - 4 locations (membership pricing)
📋 Part D Coverage Tiers
Medicare Part D plans use a 5-tier formulary structure to organize prescription drug coverage:
- Tier 1 - Preferred Generics: $0-$10 copay (lowest cost)
- Tier 2 - Generic Drugs: $10-$20 copay
- Tier 3 - Preferred Brand Drugs: $35-$50 copay
- Tier 4 - Non-Preferred Drugs: $80-$100 copay or 25-35% coinsurance
- Tier 5 - Specialty Drugs: 25-33% coinsurance (cancer, MS, RA medications)
💡 Palm Beach County Part D Advantage
With 350,000+ Part D enrollees, Palm Beach County is Florida's largest prescription drug coverage market. The average beneficiary fills 8.5 prescriptions monthly, with average premiums of $46/month. Popular with affluent retirees in Boca Raton, Delray Beach, and Wellington who value comprehensive drug coverage. Major pharmacy chains provide convenient access across all cities, from West Palm Beach to Jupiter. 68,000 residents qualify for Extra Help (Low-Income Subsidy) which can reduce or eliminate premiums and copays. Pair Part D with Palm Beach County Medigap coverage for comprehensive protection.
Compare Florida Part D Coverage:
💊 Common Medications Covered in Palm Beach County
❤️ Cardiovascular Medications
Most common prescriptions for Palm Beach County seniors:
- • Atorvastatin (Lipitor) - High cholesterol (Tier 1, $0-$10)
- • Lisinopril - High blood pressure (Tier 1, $0-$10)
- • Metoprolol - Heart conditions, hypertension (Tier 1)
- • Amlodipine - Blood pressure control (Tier 1)
- • Clopidogrel (Plavix) - Blood thinner (Tier 2, $10-$20)
- • Carvedilol - Heart failure management (Tier 1)
- • Warfarin - Anticoagulant therapy (Tier 1)
- • Eliquis - Blood clot prevention (Tier 3, $35-$50)
🩺 Diabetes Medications
Essential diabetes management for 95,000+ Palm Beach diabetics:
- • Metformin - First-line diabetes treatment (Tier 1, $0-$10)
- • Glipizide - Blood sugar control (Tier 1)
- • Insulin (various types) - Critical therapy (Tier 3, $35-$50)
- • Jardiance - Type 2 diabetes, heart protection (Tier 3)
- • Ozempic - GLP-1 agonist (Tier 3-4, $50-$100)
- • Lantus/Basaglar - Long-acting insulin (Tier 3)
- • Test Strips & Supplies - Covered under Part D
- • Januvia - DPP-4 inhibitor (Tier 3)
🫁 Respiratory Medications
Common for COPD, asthma in South Florida climate:
- • Albuterol Inhaler - Rescue inhaler (Tier 2, $10-$20)
- • Spiriva - COPD maintenance (Tier 3, $35-$50)
- • Advair Diskus - Asthma/COPD combo (Tier 3)
- • Symbicort - Maintenance inhaler (Tier 3)
- • Montelukast (Singulair) - Asthma control (Tier 1-2)
- • Fluticasone - Inhaled corticosteroid (Tier 2)
- • Breo Ellipta - Once-daily COPD (Tier 3)
🦴 Pain & Inflammation
Arthritis, chronic pain management:
- • Gabapentin - Nerve pain (Tier 1, $0-$10)
- • Meloxicam - Anti-inflammatory (Tier 1)
- • Tramadol - Moderate pain relief (Tier 2)
- • Prednisone - Corticosteroid (Tier 1)
- • Diclofenac - Arthritis pain (Tier 1-2)
- • Duloxetine (Cymbalta) - Chronic pain, neuropathy (Tier 2-3)
- • Celebrex - COX-2 inhibitor (Tier 3)
🧠 Mental Health Medications
Depression, anxiety, sleep disorders:
- • Sertraline (Zoloft) - Depression, anxiety (Tier 1, $0-$10)
- • Escitalopram (Lexapro) - SSRI antidepressant (Tier 1)
- • Trazodone - Sleep aid, depression (Tier 1)
- • Bupropion (Wellbutrin) - Depression (Tier 1-2)
- • Alprazolam (Xanax) - Anxiety (Tier 2)
- • Zolpidem (Ambien) - Sleep disorders (Tier 2)
- • Venlafaxine (Effexor) - SNRI antidepressant (Tier 2)
💊 Other Common Medications
Frequently prescribed in Palm Beach County:
- • Levothyroxine (Synthroid) - Thyroid (Tier 1, $0-$10)
- • Omeprazole (Prilosec) - Acid reflux (Tier 1)
- • Tamsulosin (Flomax) - Prostate health (Tier 1)
- • Furosemide (Lasix) - Diuretic (Tier 1)
- • Vitamin D - Bone health (OTC, some plans cover)
- • Calcium Supplements - Osteoporosis prevention
- • Latanoprost - Glaucoma (Tier 2)
🔍 Check Your Medication Coverage
Use our formulary lookup tool to verify your specific medications are covered by Part D plans available in Palm Beach County. Compare drug tiers, copays, and pharmacy networks across multiple plans.
💰 Extra Help (Low-Income Subsidy) for Palm Beach County
68,000 Palm Beach County Residents Qualify for Extra Help
The Extra Help program (also called Low-Income Subsidy or LIS) can reduce or eliminate your Medicare Part D premiums and copays. In Palm Beach County, approximately 68,000 seniors qualify but many don't realize they're eligible.
📊 Income Eligibility (2025)
- • Individual: Income below $22,590 annually
- • Married Couple: Income below $30,660 annually
- • Resources: Less than $17,220 (individual) or $34,360 (couple)
- • Automatic qualification if you receive SSI or Medicaid
💵 Extra Help Benefits
- • $0 monthly premium for most Part D plans
- • $0-$4.50 copays for generic drugs
- • $0-$11.20 copays for brand-name drugs
- • No coverage gap (donut hole)
- • No late enrollment penalty
- • Can change plans monthly (not just during AEP)
⚡ Apply for Extra Help Today
If you qualify, you could save $3,000-$5,000 annually on prescription drug costs. Application is free and confidential.
🍩 Understanding the Coverage Gap (Donut Hole)
Medicare Part D has a coverage gap (donut hole) that begins after you and your plan have spent a certain amount on covered drugs. In 2025, the coverage gap begins at $5,030 in total drug costs. Here's how it works:
💡 How to Minimize Coverage Gap Impact
- ✓ Use generic drugs when available (significantly lower costs)
- ✓ Apply for Extra Help - Eliminates the coverage gap entirely for 68,000 eligible Palm Beach residents
- ✓ Compare Part D plans - Some plans have lower initial coverage limits or better gap coverage
- ✓ Use preferred pharmacies - Lower copays at in-network locations (CVS, Walgreens, Publix)
- ✓ Ask about manufacturer coupons - Can reduce brand-name drug costs
- ✓ Consider mail-order pharmacy - 90-day supplies often cost less than 3 monthly fills
- ✓ Work with local Part D specialists - Get personalized plan recommendations
📅 Palm Beach County Medicare Part D Enrollment Periods
✅ When You Can Enroll
- 1.Initial Enrollment Period (IEP): 7-month window around your 65th birthday (3 months before, birthday month, 3 months after). Learn more.
- 2.Annual Election Period (AEP): October 15 - December 7 annually. Coverage starts January 1. Best time to compare Part D plans.
- 3.Special Enrollment Period (SEP): Moving, losing coverage, Extra Help qualification, or other qualifying events.
- 4.Extra Help recipients: Can change plans monthly throughout the year. Get help applying.
🏥 Palm Beach County Part D Resources
- • Local Part D Specialists
- • Part D Plan Comparison
- • Formulary Lookup Tool
- • Pair with Medigap Coverage
- • Part D Coverage Guide
- • Enrollment Periods Explained
Compare Florida Counties:
💊 Get Expert Medicare Part D Help in Palm Beach County
Compare prescription drug plans for West Palm Beach, Boca Raton, Delray Beach, and all Palm Beach cities. Access 780+ pharmacies, check formulary coverage, and discover if you qualify for Extra Help (68,000 eligible).