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Top 10 Worst Medicare Part D Plans

Medicare Part D provides prescription drug coverage, but not all Part D plans are created equal. While the intent is to offer affordable access to essential medications, some plans fall short, leading to higher out-of-pocket costs, poor customer service, and limited drug coverage. Here’s a rundown of the top 10 worst Medicare Part D plans, based on customer feedback, premium rates, coverage, and other factors that affect beneficiaries.

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1. Aetna Medicare Rx Plan

Despite being one of the more well-known providers, Aetna’s Part D plan has garnered criticism due to its high out-of-pocket costs and limited coverage. Many beneficiaries find it challenging to get access to affordable prescriptions, especially for those with chronic conditions.

2. Humana Walmart Value Rx Plan

While this plan offers low premiums, it often results in high drug costs for many beneficiaries. Coverage is limited to a smaller list of drugs, and certain medications may not be covered at all.

3. Cigna-HealthSpring Rx

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Cigna’s plan may seem like a good deal, but it has received complaints about unexpected cost increases and poor customer service. Coverage options are also narrower than other plans, leading to dissatisfaction among enrollees.

4. WellCare Value Script

Known for its low-cost premiums, WellCare’s Value Script plan disappoints with poor customer support and coverage that does not meet the needs of many beneficiaries. The plan lacks flexibility, forcing some individuals to pay more for their prescriptions.

5. SilverScript Choice

SilverScript's Choice plan is another offering that many find less than satisfactory. Despite a variety of drug options, it suffers from poor network availability and high co-pays for certain prescriptions, making it one of the worst choices for those with frequent medication needs.

6. UnitedHealthcare AARP MedicareRx

While UnitedHealthcare offers a comprehensive portfolio, its Part D plan leaves much to be desired. Beneficiaries often report frustrating experiences with long wait times for customer support and challenges with drug formulary access.

7. Blue Cross Blue Shield MedicareRx

Blue Cross’s Part D plan has lower ratings due to its limited formulary and the need for prior authorization for many common medications. These restrictions can lead to delays in receiving necessary treatments.

8. Express Scripts Medicare

While Express Scripts offers several options, its Medicare Part D plan has been criticized for its confusing formulary and lack of transparency regarding pricing, leaving customers with high out-of-pocket costs.

9. Tricare for Life

Although intended for military retirees, Tricare for Life has limited coverage for prescription drugs. The plan often results in high costs for medications not included in its narrow formulary.

10. Prime Therapeutics

With numerous complaints about its coverage restrictions, Prime Therapeutics’ Medicare Part D plan often leaves enrollees with high out-of-pocket expenses. The company’s poor communication and limited pharmacy network add to its low rankings.

Choosing a Medicare Part D plan requires careful consideration of drug needs and out-of-pocket costs. Plans like these serve as reminders of the importance of thoroughly researching available options to avoid high premiums, poor coverage, and hidden fees.