AI-Powered Benefits Intelligence

Find the Best Prescription Coverage for Your Medications

Compare employer health plans, Medicare Part D, Medicaid, and insurance options. Our AI analyzes your specific prescriptions to find the coverage that saves you the most money.

1,500+
Insurance Plans
$2,400
Avg. Annual Savings
100%
Free Service

Medicare Part D Plans

Compare Medicare prescription drug plans and find the best coverage for your needs

📋

Plan Finder

Enter your medications and compare all Medicare Part D plans available in your area. See estimated annual costs including premiums, deductibles, and copays.

💵

Extra Help Program

Check if you qualify for Medicare's Extra Help (Low-Income Subsidy) program. Get help paying for premiums, deductibles, and copayments.

🔍

Formulary Search

Check if your medications are covered by specific Medicare Part D plans. See which tier your drugs are on and if prior authorization is required.

📊

Coverage Gap Calculator

Understand the Medicare "donut hole" and calculate when you'll reach the coverage gap. Plan for out-of-pocket costs throughout the year.

2024 Medicare Part D Plans: Annual enrollment period is October 15 - December 7. Compare plans now to ensure coverage starts January 1, 2025.

Employer Prescription Benefits

Understand and maximize your workplace health insurance prescription coverage

🏢

Plan Comparison

Compare prescription coverage across your employer's health plan options (PPO, HMO, HDHP). See which plan covers your medications at the lowest cost.

💊

Formulary Decoder

Understand your plan's formulary tiers (Tier 1, 2, 3, 4, Specialty). Learn which drugs have lower copays and identify cheaper alternatives.

💰

Annual Cost Estimator

Calculate your total annual prescription costs including premiums, deductibles, copays, and out-of-pocket maximums for each plan option.

📝

Prior Authorization Guide

Find out which medications require prior authorization or step therapy. Get guidance on the approval process and timelines.

Quick Benefits Calculator

Insurance Plan Optimizer

Find the health insurance plan that saves you the most on prescriptions

1

Enter Your Medications

List all your current prescriptions with dosages and quantities

2

AI Analyzes Plans

Our AI compares 1,500+ insurance plans and their formularies

3

See Your Savings

Get ranked results showing annual costs and savings potential

Example Comparison: Employer Health Plans

PPO Plus
HMO Standard
HDHP + HSA
Monthly Premium
$250
$180
$100
Rx Deductible
$0
$250
$1,500
Generic Copay
$10
$15
20% after deductible
Brand Copay
$40
$50
20% after deductible
Annual Rx Cost
$3,480 ✓ Best
$3,820
$4,200

Featured Health Insurance Partners

SPONSORED
UnitedHealthcare

Medicare Advantage Plans

Medicare Advantage plans with prescription drug coverage. $0 premiums available.

View Plans
SPONSORED
Humana

Part D Prescription Plans

Stand-alone prescription drug plans with nationwide coverage. Low monthly premiums.

Compare Plans
SPONSORED
Aetna CVS Health

Employer Group Benefits

Comprehensive employer health plans with integrated pharmacy benefits through CVS.

Learn More
SPONSORED
Blue Cross Blue Shield

ACA Marketplace Plans

Health insurance through the Affordable Care Act with prescription drug coverage included.

Get Quote

Medicaid Prescription Coverage

Understand prescription benefits available through your state's Medicaid program

Medicaid Rx Coverage by State

Medicaid prescription benefits vary by state. Most states cover:

  • Generic medications with $0-$5 copays
  • Brand-name drugs (often requires prior authorization)
  • Limited over-the-counter medications
  • Specialty medications through managed care

Medicaid Resources

Eligibility Checker

Find out if you qualify for Medicaid in your state based on income and household size.

Check Eligibility →

Managed Care Plans

Many states require Medicaid beneficiaries to enroll in managed care plans (MCOs) for prescription coverage.

Find MCO Plans →

Benefits Resources & Guides

Understanding Formularies

Learn how drug formularies work, tier systems, and how to request formulary exceptions.

Prior Authorization Guide

Step-by-step guide to getting prior authorization for medications not on your plan's formulary.

Step Therapy Explained

What is step therapy and how to navigate requirements to access preferred medications.

Open Enrollment Tips

Maximize your prescription benefits during annual enrollment periods.

HSA/FSA for Prescriptions

How to use Health Savings Accounts and Flexible Spending Accounts for Rx costs.

Appeals Process

How to appeal denied prescription claims and coverage decisions.

Ready to Optimize Your Prescription Benefits?

Get started with our free AI-powered benefits analyzer