Part D and Medicare Advantage plans change their prices and covered-drug lists every year. Enter your medications and we'll estimate your total annual cost across the plans in your area — using Medicare's own published data.
Your ZIP determines which plans are available to you (in the live version this maps ZIP → county via the CMS Geographic Locator file).
Add each drug you take. We assume one 30-day fill per month (adjustable in the live version).
Pick your current plan so we can show your potential savings.
Every table below is free and public from CMS. This prototype uses tiny hand-built versions of them; production just swaps in the parsed real files (refreshed each plan year). The calculation code does not change.
| In this prototype | Real CMS source file | What you pull from it |
|---|---|---|
PLANS[] | Plan Information file + PDP/MA‑PD Landscape files | Contract ID, plan ID, name, type, service area, monthly premium, deductible |
ZIP → region | Geographic Locator file | Maps ZIP/county to each plan's service area |
FORMULARY{} | Formulary file (Quarterly/Monthly PUF) | Per plan: covered NDCs, tier, prior‑auth / step‑therapy / quantity‑limit flags |
TIER_COST{} | Beneficiary Cost file | Copay/coinsurance by tier, preferred vs. standard pharmacy, by coverage phase |
drug.refPrice × priceFactor | Pricing file (Quarterly PUF) | Plan‑level average monthly unit cost per drug |
DRUGS[] (name→id) | Formulary Reference File | Maps a typed drug name+strength to the NDC codes the formulary uses |
| (optional) star rating | Medicare Part C/D Star Ratings | Plan quality score to display alongside cost |
Primary download: data.cms.gov → “Quarterly Prescription Drug Plan Formulary, Pharmacy Network, and Pricing Information.” Honest limitation: the PUF pricing is an average, updated quarterly, so totals are a solid estimate — not the to‑the‑penny figure the live Medicare Plan Finder shows. That's the built‑in reason for the agent call.