medicare part d (pdp)

Because the prescription plan that's right for you today may not be the most cost-effective plan next year! These plans have to be review EVERY year. Even if your medications stay exactly the same, your Medicare Part D plan can change its premiums, deductibles, covered medications, and pharmacy pricing.

HeyMOE is designed to make it easier to stay ahead of those changes.

This is an affordable Investment in your Medicare Planning

Just $30 per year — that's only $2.50 per month! for a modest annual fee, you'll have access to a convenient resource designed to help you organize your prescriptions, compare coverage options, and stay prepared for annual Medicare changes.  

Finding even one opportunity to reduce your prescription costs or penalties could potentially offset the annual fee..

1. Set It Up Once — Simplify Your Annual Review

Enter your prescriptions and preferred pharmacies into your HeyMOE account. Your saved information can help streamline future annual comparisons instead of requiring you to start from scratch.

2. Discover Potential Prescription Savings

Compare Medicare prescription drug plans and pharmacy pricing to identify opportunities to reduce your estimated annual prescription expenses.

3. Receive Helpful Reminders

Stay informed with reminders to review your medications, update your information, and prepare for Medicare's Annual Open Enrollment Period.

4. Compare Your Options in One Convenient Place

Review personalized plan comparisons showing estimated annual prescription costs, including whether staying with your current plan or considering another option could save you money.

5. Explore Additional Pharmacy Savings

HeyMOE offers tools designed to help you evaluate pharmacy pricing and potential savings through generic medications or prescription discount programs, when appropriate.

6. Keep Insurance Advocates Involved

You may choose to share access to your comparison information with our office so we can help you understand your results and make informed decisions.

 At Insurance Advocates, our commitment to you doesn't end when you enroll in a Medicare plan.

We believe that helping you choose the right coverage is only the beginning. Medicare plans, prescription costs, pharmacy networks, and your personal healthcare needs can change every year. That's why ongoing education, guidance, and support are so important.

We don't just help you choose Medicare coverage. We help you stay informed as your needs and your plans change — because the right decision this year may not be the right decision next year.

As part of that commitment, we're excited to announce that Insurance Advocates has teamed up with HeyMOE to offer an additional resource to help you manage your Medicare prescription drug coverage.

HeyMOE is an independent prescription drug comparison and reminder platform designed to help you stay organized, review your options annually, and identify potential savings.

WEIGHT LOSS MEDICATIONS UNDER MEDICARE

We would like to address the inquiries we’ve received regarding the coverage and accessibility of certain medications such as Ozempic and Wegovy (Semaglutide), Saxenda and Victoza (Liraglutide), and Zepbound and Mounjaro (Tirzepatide).

Unfortunately, Medicare does not currently cover these medications for weight loss. These medications are only approved under Medicare for the treatment of diabetes, and their use requires prior authorization.

Understanding Prior Authorization for Diabetes Treatment
If you are prescribed these medications for diabetes, the process includes:

1. Your doctor writes the prescription.
2. Your doctor submitting clinical notes and a prior authorization request to your insurance company.
3. Approval of the prior authorization by the insurance company, which then allows the pharmacy to dispense the medication.

To reduce potential delays, you may wish to discuss with your doctor the possibility of initiating the prior authorization process before submitting your prescription to the pharmacy.  What doctor’s wish patients knew

Alternative Options
While Medicare does not cover these medications for weight loss, we understand that many individuals are seeking alternatives. Some of our clients have shared information about vendors that provide alternative options. Please note, however, that we are not endorsing or recommending these options. We are simply passing along this information for your consideration.

Best Weight Loss Medications Of 2025

(click on this link above for 9 different options or below)

If you have further questions or need assistance, please don’t hesitate to reach out to us.

 Everyone is eligible for Medicare at 65,  but because people going onto Medicare are usually coming off of an Employer's plan and sometimes even keeping that other insurance—it can be complicated. Knowing the nuances will help you   

See Page 6 & 12  in the Who Pays First Booklet by clicking on the buttom below