Medicare Prescription Drug Plans in Southwest Missouri

Find the Right Part D Plan for Your Prescription Needs

Prescription medications can be one of the most expensive parts of managing your health. Medicare Part D plans are designed to help cover those costs — but not all plans are the same. At Medicare MO Plans / Akeman Insurance, we help you compare Part D options available in your area, so you can choose a plan that fits your prescriptions, budget, and preferred pharmacy.



Serving individuals across a 50-mile radius of Mt. Vernon, Missouri, we provide local, personalized help with no call centers, no confusion, and no pressure.

What Is Medicare Part D?

Medicare Part D is optional prescription drug coverage offered by private insurance companies approved by Medicare. These plans help cover the cost of both generic and brand-name medications.

You can get Part D coverage in two ways:

• As a standalone plan (PDP), if you have Original Medicare or a Medigap plan
  
• As part of a Medicare Advantage plan (MAPD), if your Advantage plan includes drug coverage
  
  

Our job is to help you decide which setup works best for you — and which specific plan gives you the most value.

Why Part D Coverage Matters

Even if you don’t take medications now, enrolling in a Part D plan when first eligible can help you avoid late enrollment penalties later. And for those with regular prescriptions, choosing the right plan could mean the difference between affordable care and unexpected expenses.

With our help, you can:

• Compare drug formularies (lists of covered medications)
  
• Review plan premiums, copays, and deductibles
  
• Check pharmacy network participation
  
  

Avoid plans that won’t meet your needs

What Affects Prescription Drug Plan Costs?

What Affects Prescription Drug Plan Costs?

Your total out-of-pocket costs depend on several factors:

• Monthly Premium – Some plans have low or even $0 premiums
  
• Annual Deductible – What you must pay before coverage begins (many plans have $0 deductibles for certain tiers)
  
• Copayments and Coinsurance – Your share of the cost per prescription
  
• Drug Tiers – Medications are grouped into levels that affect your copay
  
• Preferred Pharmacies – Using a preferred or in-network pharmacy can lower costs
  
  

Because these factors vary by ZIP code, it’s essential to compare plans based on your specific prescriptions and location. That’s where we come in.

How We Help You Compare Plans

 We’ll start by reviewing your current prescriptions and dosage.

We compare all available Part D plans in your county — not just one carrier — and show how each plan handles your medications.

We factor in your preferred pharmacies and explore potential savings by switching to preferred locations or mail order.

At Akeman Insurance, we use advanced tools and up-to-date plan data to help you find the most cost-effective coverage. Here’s what our process looks like:

We explain costs, coverage gaps (like the “donut hole”), and tips for lowering expenses.

Once you choose a plan, we help with enrollment and make sure your application is submitted accurately and on time.

When Can You Enroll in a Part D Plan?

You can enroll in or change a Medicare Prescription Drug Plan during the following times:

Missing these windows can mean paying penalties or going without drug coverage, so it’s important to review your options early.

Frequently Asked Questions

Let’s Compare Plans Together

Not sure if your current Part D plan still meets your needs? Ready to enroll in prescription coverage for the first time? We’re here to help with local, no-pressure guidance.