Medicare Part D Comparison Tool

We have amazing software to save you time and ensure you have the best drug plan for 2025.

FAQs

“My Part D plan premium has skyrocketed! Why?”

Unfortunately, the “good news” with the Part D Donut Hole being eliminated has led many carriers to raise their premiums to offset potential losses. This is similar to what happened when the Affordable Care Act was implemented, causing healthier individuals to subsidize costs for those who are less healthy.

To illustrate, think about this: if you eliminate your car insurance deductible, what happens to your premium? It rises significantly! This is the effect of removing the Part D Donut Hole, which is why your premiums have increased.

“What are the new Part D premiums?”

Many companies have exited the Part D market for 2025. Instead of 30-50 drug plans, most states now offer only around 15. 
In many areas, only 1-2 plans are available for under $10/month, with about 4-5 plans ranging from $15-$50/month. 
Then there is a significant jump, with 8-10 plans priced between $90-$180/m 

“What If I Just Drop or Cancel My Part D Plan?”

Yes, you could. However, there are two factors to consider.

• First, are you willing to pay the monthly ongoing penalty for the rest of your life?
• The penalty is calculated by multiplying 1% of the national base beneficiary premium by the number of months that the beneficiary was eligible but didn’t enroll. The result is rounded to the nearest $0.10 and added to the monthly premium.
• So, let’s say you missed 60 months and the national base premium is $50. The calculation would be 1% x $50 x 60 months missed = $30 per month penalty for life. (Yes, per month for life)
• Second, are you willing to take the risk of not being able to start a new plan until January 1st of the following year?

If these two factors do not bother you, then you can cancel your Part D plan by letting the plan know directly.

• Agents are NOT ALLOWED to disenroll any plan. We are only allowed to change your plan, but not disenroll you.
• If you plan to disenroll, please email us so we can update your record.

“How do I shop and compare my Part D plan?”

Utilize the Part D Comparison Tool to find the best plan for you.

“How do I navigate the website?”
We created a video with step-by-step instructions. CLICK HERE
There are also instructions along with pictures you can look at: CLICK HERE
If you are still having issues after reviewing the video the instructions, then give us a call.

How does this compare to Medicare.gov?

All the information is pulled from Medicare.gov. 

However, instead of talking to Medicare where they are not licensed agents, you get to see the comparison along with having an agent you trust help you!

Does this mean KCIIS is not willing to help us out?

No. This is not to cut us out or mean we are not willing to help you, rather you now have the best of both worlds.  

You will have all the comparisons at your fingertips and you can ask your agent for help. 

You get to see all the plans and take your time to compare them side by side, rather than going back and forth by email, phone calls, or wait for an appointment.

Will I still be able to ask KCIIS for help?

Yes! You can still call us and ask us questions to get our opinion. Please call 408-502-7080 to ask for help.

This will mainly help save you time from having to wait in line for an appointment. You can see all the plans and enroll if you like what you see.

I’m not good with online enrollments. Can you guide me?

Below you will have a video and instructions on how to use this tool. 

Follow all the instructions below that I’ve created, so you have a smooth process. 

Click here to watch how you can compare and enroll in the plan.

I would like to learn all the stages of Medicare before signing up. Can you explain it to me? 

We created this video to discuss in depth how all 4 stages of Part D work. 

Click here to subscribe to our channel to get all the new updates.