Ask Terry Questions Part D plans

Part D plans

By Terry Savage on October 25, 2025 | Insurance & Annuities

Hi Terry, I’m 73 and take 2 relatively cheap meds and am thinking about switching to a zero dollar part D premium plan. It seems so odd to me to have no premium. Are these plans safe?

Terry Says

There are many zero premium plans, because the government subsidizes Part D. They work well if you take only a few generic drugs. But be sure to do the comparison at Medicare.gov, and make sure your pharmacy is in the plan.
In fact, read this step by step guide to your Part D search before you go online:

https://www.terrysavage.com/medicare-beware-3-part-d-drug-plans/

money

ASK TERRY

a personal
finance question