How Does Part D Of Medicare Work? 
Medicare Part D is a stand alone prescription drug plan . You should pick a plan based on your current medications and run them through the Medicare drug formulary finder to locate the lowest overall cost plan . Some plans have deductibles -LRB- $ 325 in 2013 -RRB- for brand name drugs , some do n't . Usually the plans with deductibles have lower premiums and lower total costs . After the deductible -LRB- or not -RRB- you pay a copay for drugs on the formulary . The carrier pays the balance until you get to the donut hole . 