\n\nSilverScript\nHumana\nMutual of Omaha\nUnitedHealthcare\nCigna\n"}]},"@type":"Question","@id":"https:\/\/www.medicarefaq.com\/faqs\/top-5-medicare-prescription-drug-plans\/#QuestionmainEntity1","name":"How Do Ratings Work for Medicare Part D Plans?","acceptedAnswer":["@type":"Answer","@id":"https:\/\/www.medicarefaq.com\/faqs\/top-5-medicare-prescription-drug-plans\/#QuestionmainEntity1_acceptedAnswer_Answer","text":"Medicare Part D plans are rated on a five-star scale. However, a five-star policy in your area may not be a top-rated plan across the country.\nRatings vary by ZIP Code, just like the plan offerings themselves. We list the top five carriers offering the best Medicare Part D plans for 2023 based on an average nationwide rating.\nNote that no one plan will fit everyone\u2019s needs. The best plan for you could be the worst plan for your spouse or neighbor, and vice-versa. Ensuring your plan brings you value for the drugs you need is essential to selecting the best Medicare Part D coverage for you.\n\nSilverScript SmartRx\nSilverScript Choice\nSilverScript Plus\nIt is no surprise that SilverScript policies make the list of top 5 best Medicare Part D plans for 2023. Although costs vary by ZIP Code, the average nationwide monthly premium for the SmartRx plan is only $5.92, making it the most affordable Medicare Part D plan this carrier offers. Meanwhile, the Choice plan averages $33.60 per month, and the Plus plan averages $75.58 per month.\nEach SilverScript plan is an excellent option for coverage. However, depending on your medications, one could be more beneficial for you than the others.Find Medicare Plans in 3 Easy StepsWe can help find the right Medicare plans for you todayFor example, someone with a few generics may find the Plus plan to be more insurance than they need and gravitate towards the SmartRx plan. On the contrary, a person with many brand-name drugs could discover that the SmartRx plan does not cover their brand-name drugs as well as the Plus plan would.\nThe preferred pharmacies with SilverScript vary by policy. However, the differences are not too significant. The SmartRx plan\u2019s preferred pharmacies include CVS, Walmart, and thousands of independent drug stores throughout the U.S. Furthermore, the Choice and Plus plans add Publix, Kroger, and Albertsons to their list of preferred pharmacies.\nIf you want to eliminate the hassle of driving to the pharmacy, all SilverScript prescription drug plans offer CVS Caremark Mail Service Pharmacy as an option. Additionally, this mail-order pharmacy is a preferred pharmacy option on all three plans.\nSilverScript rightfully earns the top spot on this list. With excellent customer service, low out-of-pocket costs, and a high customer satisfaction rating, there is likely a SilverScript plan to meet everyone\u2019s needs.\n\nWalmart Value Rx Plan\nBasic Rx Plan\nPremier Rx Plan\nHumana is number two on our list of the top 5 best Medicare Part D plans for 2023. The Humana Walmart Value Rx Plan is excellent for someone with very few generic medications or certain name-brand medications.\nThe Basic plan is best for those taking a few more maintenance medications that are both generic and name-brand. On the other hand, the Premier Plan is best for those who take higher-tier drugs for which they need a higher level of coverage.\nPreferred pharmacies on Humana\u2019s network are easy to remember: Walmart, Sam\u2019s Club, and thousands of local drug stores. Humana policyholders also have access to Humana Pharmacy.\nHumana\u2019s mail-order pharmacy, Humana Pharmacy, offers the lowest possible drug costs through this carrier. Additionally, a lookup tool is available on the Humana mobile app. With this app, you can find a complete list of Humana pharmacies.Find Medicare Plans in 3 Easy StepsWe can help find the right Medicare plans for you todayOffering $0 copayments for many generic drugs on all their plans, Humana is a great option for someone who primarily uses generics. All three plans have a $505 deductible that you can quickly meet if you take higher-tier drugs. With an option for everyone, Humana Medicare Part D plans could potentially save you the most money in 2023.\n\nMutual of Omaha Rx Premier\nMutual of Omaha Rx Plus\nMutual of Omaha Insurance Company takes the third spot on our list of the top 5 best Medicare Part D plans for 2023. With an average monthly premium of $18.30, the Rx Essential policy has no deductible for medications in the first two tiers at preferred pharmacies. However, this plan has a $505 deductible on all other tiers.\nAveraging $73.70 per month, the Plus Premier has a $505 deductible that applies to all tiers. However, the Plus plan covers a broader range of drugs.\nLastly, the Rx Plus plan offers great coverage to those who take several brand-name medications as well as low copayments for generic and drugs on other tiers. This plan has an average monthly premium of $79.80. \nThis carrier\u2019s preferred pharmacy network is the same for both plans. CVS, Target, Sam\u2019s Club, Walmart, and many regional drug stores are on the list of preferred pharmacies with Mutual of Omaha.\nMutual of Omaha has been in the insurance industry since before Medicare began. Those looking for a reliable carrier can find benefits through this company.\nWith one of the most highly-rated customer service departments, this top Medicare insurance company helps many people each day. By offering plans for various coverage levels, they can assist even more.\n\nAARP Medicare Rx Walgreens Plan\nAARP Medicare Rx Saver Plus Plan\nAARP Medicare Rx Preferred plan\nUnitedHealthcare is next on our list of the top 5 best Medicare Part D plans for 2023. Those with a shorter list of generic medications will benefit from the Walgreens Plan, and those with higher-tier, brand-name drugs will find their most significant coverage on the Preferred Plan. Yet, if you are somewhere between, the Saver Plus Plan may be best for you.Find Medicare Plans in 3 Easy StepsWe can help find the right Medicare plans for you todayFor UnitedHealthcare Medicare Part D beneficiaries, preferred pharmacies differ by plan. The Walgreens Plan offers the smallest pharmacy network, with Walgreens being the only preferred pharmacy. Yet, the Preferred Plan and Saver Plus plan networks include pharmacies like Publix, Walmart, and Walgreens. Several other in-network pharmacies provide coverage at a slightly higher price.\nUnitedHealthcare has a wide range of insurance products and boasts an excellent track record with customers. As the table above displays, this carrier\u2019s plans generally cost a bit more than most others. Yet, if you can only find your drugs on one of their Medicare Part D formularies, this company is your best option.\n\nCigna Saver Rx\nCigna Secure Rx\nCigna Extra Rx\nThe Saver Rx policy is the lowest premium option, and the Extra has a higher premium than the other two. Like all Medicare Part D plans, no single option will be best for everyone.\nTo find the most suitable coverage, you must compare all available plans. Those with multiple brand-name medications needing coverage in the Medicare Part D donut hole could benefit from a Cigna-HealthSprings Secure-Extra policy.\nFor its network, Cigna contracts with over 63,000 pharmacies nationwide. Preferred pharmacies include Kroger, Rite Aid, Walmart, Sam\u2019s Club, Walgreens, and more. For the most savings, consider enrolling in their mail-order pharmacy program through Express Scripts.\nThe biggest highlight of Cigna\u2019s prescription drug plans is the pharmacy network. This carrier\u2019s multiple plan options provide coverage for thousands of drugs. However, drug prices may not be as low as those through some other carriers.\nHowever, convenience often warrants a higher cost. Still, if this carrier has the lowest annual out-of-pocket costs for you, it will be worth the enrollment.\nFind Medicare Plans in 3 Easy StepsWe can help find the right Medicare plans for you todayMedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.Our Plans, Mutual of Omaha . Accessed November 2022.https:\/\/www.mutualofomaha.com\/prescription-drug-plan\/our-plansAetna Medicare Part D Plans Silverscript, Aetna . Accessed November 2022.https:\/\/www.aetnamedicare.com\/sites\/partd.htmlHumana 2023 Medicare Part D Plans, Humana . Accessed November 2022.https:\/\/www.humana.com\/medicare\/part-d-drug-plans?kc=0300035831Medicare Prescription Drug (Part D) Plans from UnitedHealthcare, AARPMedicarePlans. Accessed November 2022.https:\/\/www.aarpmedicareplans.com\/shop\/prescription-drug-plans.htmlMedicare Part D Prescription Coverage, Cigna . 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