SEARS WARD INSURANCE AGENCY
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Prescription Drug Plans

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What is Medicare Prescription Part D?

These plans (sometimes called "PDPs") add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.

What do drug plans cover?

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.

A Medicare drug plan can make some changes to its formulary during the year within guidelines set by Medicare. If the change involves a drug you’re currently taking, your plan must do one of these:

Provide written notice to you at least 60 days prior to the date the change becomes effective.
At the time you request a refill, provide written notice of the change and a 60-day supply of the drug under the same plan rules as before the change.

Contact us to learn more about the right Medicare Part D Prescription Plan for you.
(601) 323-5410​
910 Sawmill Rd
Sawmill Square Mall
Laurel, MS 39440​​
Click Here to Email Us

“We do not offer every plan available in your area. Currently we represent 7 organizations which offer 25 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.”

By calling our office, submitting a contact form, or otherwise contacting us using any method on our website, you will be directed to a licensed insurance agent. Not connected with or endorsed by the United States government or federal Medicare program. We do not offer every plan available in your area.


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Sears Ward Insurance Agency
910 Sawmill Rd
Sawmill Square Mall
Laurel, MS 39440​
Office:  (601) 342-2805
Cell:  (601) 323-5410​
Click Here to Email Us

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  • Home
  • Quotes
    • Medicare Quotes >
      • Medicare Advantage Plan Quote
      • Medicare Supplement Coverage Quote
      • Prescription Drug Plans Quote
    • Health Quotes >
      • Health Insurance Quote
      • Critical Illness Insurance Quote
      • Dental Insurance Quote
      • Vision Insurance Quote
      • Group Benefits Insurance Quote
    • Life & Financial Quotes >
      • Life Insurance Quote
      • Final Expense Insurance Quote
    • Request a Quote
  • Consultation
  • Insurance
    • Medicare >
      • Medicare Advantage Plans
      • Medicare Supplement Coverage
      • Prescription Drug Plans
    • Health >
      • Health Insurance
      • Critical Illness Insurance
      • Dental Insurance
      • Vision Insurance
      • Group Benefits
    • Life/Financial >
      • Life Insurance
      • Final Expense Insurance
  • About
    • Staff Directory
    • Insurance Carriers
    • Refer a Friend
    • Online Services >
      • Policy Review
      • Update Contact Info
      • Online Documents
    • Accessibility Statement
  • Contact
    • Schedule an Appointment