Free Medicare Tool

Medicare Part D Drug Cost Calculator

Estimate your prescription costs under Medicare Part D and discover savings opportunities with generic alternatives.

Why Use This Tool

See Your Coverage Stages

Understand exactly where your spending falls in Medicare Part D — deductible, initial coverage, or catastrophic — and what you'll owe at each stage.

Find Generic Savings

Discover if lower-cost generic alternatives exist for your brand-name medications and see how much you could save each year.

Get Expert Guidance

Our licensed Medicare specialists will review your results and help you find the most cost-effective Part D plan — at no cost to you.

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Medications
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Your Info
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Results

Add Your Medications

Search for each prescription you take. We'll estimate your annual costs under Medicare Part D.

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Enter your details to see your personalized Part D cost estimate and potential savings.

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Your information is secure and will only be used to provide your personalized drug cost estimate. We never sell your data.

Your Part D Cost Estimate

2026 Annual Cost Projection

Deductible
Initial Coverage (25%)
Catastrophic ($0)

Generic Alternatives & Savings

Checking for generic alternatives...

Medications to Review
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Our specialists will analyze your drug list to find the best Part D plan

Get Your Personalized Drug Cost Review

Our licensed Medicare specialists will review your medications and find the most cost-effective Part D plan for your needs.

How It Works

1

Add Your Medications

Search our database of thousands of prescription drugs and add each medication you currently take.

2

Get Your Estimate

We calculate your estimated annual costs using the current Medicare Part D coverage structure, including deductibles and coinsurance.

3

Discover Savings

See if generic alternatives are available for your medications and how much you could save by switching.

Frequently Asked Questions

What is Medicare Part D?
Medicare Part D is the prescription drug coverage portion of Medicare. It is offered through private insurance companies approved by Medicare and helps cover the cost of prescription medications.
How accurate is this calculator?
This tool provides estimates based on the standard Medicare Part D benefit structure. Actual costs vary depending on your specific plan, pharmacy, and whether your medications are on the plan's formulary. For a precise analysis, schedule a free review with one of our licensed Medicare specialists.
What is the donut hole (coverage gap)?
As of 2025, the donut hole has been effectively closed for most beneficiaries. Under the Inflation Reduction Act, out-of-pocket costs for Part D are capped at $2,000 per year. Once you hit that cap, you pay $0 for the rest of the year.
Can I save money by switching to generic drugs?
Often, yes. Generic medications contain the same active ingredients as brand-name drugs and are FDA-approved for safety and effectiveness. They typically cost significantly less. Always consult your doctor before switching medications.
Is there a cost to use this calculator or talk to Buffer?
No. This calculator is completely free, and there is no cost to work with a Buffer Insurance Medicare specialist. We are compensated by the insurance carriers, not by you.
When can I enroll in or change my Part D plan?
You can enroll or make changes during the Annual Enrollment Period (October 15 through December 7) or during a Special Enrollment Period if you qualify due to certain life events. Contact us to determine your enrollment options.

This tool provides estimates only and is for informational purposes. Actual costs vary by plan, pharmacy, and formulary coverage. This is not a quote or guarantee of coverage. Contact a licensed agent for personalized guidance. We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.