Prescription Drug Coverage Through Medicare Part D in Los Angeles

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If you're looking into Medicare plans in Los Angeles, understanding how Medicare Part D works is essential. Prescription drug coverage isn’t automatically included in Original Medicare or most Medigap plans. That’s where Medicare Part D comes in — offering standalone coverage for the medications you take every day, or just once in a while. At Hansol Financial & Insurance, we help seniors across Los Angeles, from Koreatown to Glendale, find a plan that fits both their health needs and their budget.

What Medicare Part D Covers & Why It Matters

Medicare Part D helps cover the cost of prescription medications — from generics to brand-name drugs. Each plan has its own formulary, or list of covered drugs, and may place medications into different tiers that affect your out-of-pocket costs. If you have chronic conditions or take multiple prescriptions, the right Part D plan can save you hundreds each year.



Even if you don’t take any medications now, enrolling when first eligible can help you avoid late penalties later. That’s why we recommend reviewing your Part D options as soon as you enroll in Medicare — especially during your Initial Enrollment Period or the Annual Election Period (AEP) each fall.

Choosing a Part D Plan That Covers Your Medications

Plans vary widely, especially across Los Angeles County. Some may work better if your local pharmacy is in-network, or if you take specific medications not covered on other plans’ formularies. We’ll walk you through how to:


  • Search for a plan that includes your prescriptions
  • Understand preferred vs. standard pharmacy networks in LA
  • Compare monthly premiums, deductibles, and copays
  • Avoid the coverage gap (also called the “donut hole”)



Whether you fill prescriptions at CVS in Mid-Wilshire or a small pharmacy in Koreatown, we help ensure your plan works where you live and shop.

Need Part D With Other Medicare Coverage?

If you have Original Medicare and a Medicare Supplement (Medigap) plan, you'll likely need to add a standalone Part D plan. If you’re considering a Medicare Advantage plan, it may already include drug coverage — but not all do. We'll review your full coverage to make sure there's no gap.



Already have employer or retiree drug benefits? We’ll help you compare that with Part D options so you don’t lose value or get hit with penalties.

Local Support You Can Count On

We’ve helped hundreds of seniors throughout Los Angeles County — including Korean-speaking and Spanish-speaking clients — get the prescription drug coverage they need. From helping you enroll to reviewing your plan each year, our local team is here when you need us.

Not Sure What Your Medications Will Cost?

We can run a personalized Medicare Part D comparison based on your actual prescriptions. You'll know in advance how much each plan would cost at your pharmacy and whether any lower-cost alternatives are available.

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Medicare Advantage

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Medicare Supplement

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Insurance Solutions for Foreign Nationals

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Retirement Planning

Find the Right Prescription Drug Coverage — With Help From a Local Medicare Broker

If you need help with Medicare Part D in Los Angeles — whether you're comparing costs, checking drug lists, or trying to enroll — Hansol Financial & Insurance is here for you. We're local, bilingual, and deeply familiar with the plans available across Koreatown, Downtown LA, and beyond. Contact us today for a free Medicare consultation and personalized plan review.

  • Do I have to get Medicare Part D?

    It’s optional — but if you don’t enroll when you’re first eligible and you go without creditable drug coverage, you may face a penalty later. Even if you’re not taking prescriptions now, we recommend enrolling in a basic plan to avoid issues down the road.

  • When can I sign up for a Medicare Part D plan?

    You can enroll when you first become eligible for Medicare (your Initial Enrollment Period), during the Annual Election Period (October 15 to December 7), or during certain Special Enrollment Periods if you lose other coverage or move.

  • How much does a Medicare Part D plan cost in Los Angeles?

    Premiums vary based on the plan and insurer. In Los Angeles, many plans are available under $40/month, but total costs depend on your prescriptions, pharmacy, and plan design. We'll help you find a plan that keeps your medication costs as low as possible.

  • Does Medicare Part D cover all drugs?

    No. Each plan has its own formulary. That’s why it’s important to check that your prescriptions are included and understand how each drug is categorized. We’ll do this for you, so there are no surprises at the pharmacy.

  • Can I change Part D plans later?

    Yes — you can switch plans during the Annual Election Period each fall. We recommend reviewing your plan each year to ensure it still meets your needs, especially if your medications or prices have changed.