How to Get the Most Out of Your Medicare Part D Plan in the Summer Months

Summer is a time for travel, relaxation, and outdoor fun—but it can also be a season when medication routines get disrupted or overlooked. Whether you’re planning a vacation or simply spending more time outside, it’s important to make sure your Medicare Part D prescription drug coverage is working for you. At BroadZero, we help seniors in Philadelphia stay on top of their healthcare all year long. Here’s how to make the most of your Medicare Part D plan during the summer.

1. Stay on Top of Refills Before Traveling

If you’re heading out of town, it’s a smart move to refill your prescriptions ahead of time. Some medications may be difficult to obtain if you’re away from your usual pharmacy or in a different network area.

Tips:

• Use your plan’s mail-order pharmacy if you’re going on an extended trip.
• Check if your plan offers nationwide pharmacy access or has preferred networks where you’re traveling.
• Ask your doctor about getting a vacation supply of your medications if you’ll be gone for more than 30 days.

At BroadZero, we can help you understand which pharmacies are in-network and how to avoid surprise costs while away.

2. Use Generic Medications When Possible

Summer often comes with added expenses—from travel to home cooling bills. Saving money on prescriptions can help balance your budget. Most Medicare Part D plans offer lower copays for generic medications.

Ask your provider if any of your current prescriptions have a safe and effective generic alternative. You’ll pay less and still get the treatment you need.

3. Track Your Spending to Avoid the Donut Hole

The Medicare Part D coverage gap—commonly known as the “donut hole”—can sneak up on seniors who use multiple or high-cost medications. Once you and your plan have spent a certain amount on covered drugs, you may have to pay a higher share of your prescription costs.

Mid-year is a great time to:

• Review how much you’ve already spent on medications.
• Use your plan’s drug spending tracker or portal.
• Explore Extra Help or state assistance programs if you’re approaching the coverage gap.

BroadZero helps Philadelphia seniors understand their Part D benefits and avoid costly surprises.

4. Take Advantage of Medication Therapy Management (MTM)

If you take multiple medications, your Part D plan may offer a Medication Therapy Management (MTM) program. This includes a free review by a pharmacist or clinician who can:

• Ensure your prescriptions are effective and safe.
• Help avoid drug interactions.
• Recommend cost-saving options.

Ask your plan or call BroadZero to see if you qualify for MTM services.

5. Medicare Advantage OTC Benefits

If you’re enrolled in a Medicare Advantage plan with drug coverage (MAPD), you may also get over-the-counter (OTC) allowances. These can be used for allergy meds, pain relief, or even sunscreen—perfect for summer.

Conclusion

Medicare Part D isn’t just for the pharmacy counter—it’s a year-round tool to help you stay healthy and save money. From travel tips to drug savings and program perks, BroadZero is here to help you maximize your Medicare plan all summer long. Contact us today for a free plan review or personalized support.