Top 3 Companies With the Best Medicare Part D Plans for 2025

Wellcare sells the cheapest Part D plans for 2025, and its plans have good quality coverage. You'll pay an average of $43 per month for a Wellcare plan, which is $22 less than the national average of $65 per month. And in most states, you can get a plan for less than $10 per month.

Wellcare's plans are a good option if you're on a budget, because of both the low monthly rate and the low cost for medications. No matter what plan you buy, you won't have a copay on low-cost generic medications . But this benefit only kicks in after you reach your deductible. All Wellcare plans have a $590 deductible, which is the highest allowed by law.

However, the Wellcare Medicare Rx Value Plus plan starts to pay for your lower-cost medications right away, because it doesn't have a deductible on some generic and brand name drugs. If you take one or more medications in this category, it might be worth it to pay more for the Value Plus plan since it gives you better coverage. On average, the Wellcare Medicare Rx Value Plus costs $107 per month.

Unlike a few other companies, Wellcare doesn't have any plans with a $0 deductible, which would mean your plan starts paying for your medications right away. If you take expensive medications, it might be worth it to look for a company that has $0 deductible plans, like Blue Cross Blue Shield or Humana.

Wellcare sells Medicare Part D plans nationwide.

If you take weight-loss drugs, Blue Cross Blue Shield could be a good option. All of its plans cover Mounjaro, Ozempic and Rybelsus. And in 22 states, you can get a plan from Blue Cross Blue Shield that has a $0 deductible, which means your plan will start paying for your weight-loss medications and other covered prescriptions right away.

However, you're more likely to have coverage if you take the medications for diabetes rather than specifically for weight loss. None of BCBS's plans, and none of the plans from other companies that ValuePenguin's experts reviewed, covered Wegovy, which is specifically for weight loss.

Blue Cross Blue Shield is made up of independent companies, which means service and plan quality vary based on where you live. While BCBS is typically a good option, its plans are very poorly rated in South Carolina and Florida. If you live in these states, you should probably buy a plan from a more highly-rated company.

Blue Cross Blue Shield plans also tend to be expensive, with an average rate of $100 per month. BCBS only sells $0-per-month plans in Kansas. Elsewhere, the plans usually have high monthly rates. The plans can still be a good value if you take expensive medications.

Blue Cross Blue Shield sells Medicare Part D plans in 38 states:

You can't get a Blue Cross Blue Shield Part D plan in Alaska, Arizona, Delaware, Hawaii, Idaho, Louisiana, Maryland, Mississippi, New York, Oregon, Utah, Washington or Washington, D.C.

If you want your prescriptions mailed directly to you, Humana is a good option. The company's mail-order pharmacy, CenterWell, has a high rating for customer satisfaction from J.D. Power. You can get up to 90 days for most prescriptions, and you'll often pay less than you would if you used an in-person pharmacy.

Humana also sells plans with no drug deductible in every state and Washington, D.C. The Humana Premier Rx plan costs $128 per month, on average, which is fairly high. But the plans can be a good option if you take expensive medications or several medications together. The $0 drug deductible, which means your coverage starts right away, might offset the higher cost for some people.

But Humana isn't a good option if you're on a budget. Its average rates tend to be high, at $73 per month. And only about 6% of its plans cost less than $10 per month. It also scores poorly for people who take high blood pressure medications.

Humana Part D plans are available nationwide.