Top 5 Best Rated Medicare Prescription Drug Plans for 2022

The most expensive plans are not always the best quality when it comes to healthcare. When choosing Medicare Part D coverage in 2022, knowing the best overall Medicare prescription drug plan (Medicare Part D) is essential. You can stay ahead of the game and maximize your Medicare Part D benefit by knowing what to expect.

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The more you age, the more likely you will require prescription drugs in your daily routine. Drugs can be costly, and new brand-name drugs can be the most expensive. Medicare Part D Plans are put in place to help cover the costs of these medications.

Medicare Supplement High-Deductible Plan F Coverage Chart

Several Medicare Part D plans and carriers are available nationwide, which can make choosing the right plan complicated for seniors. On top of this, policies vary by county, so moving may warrant a plan change in your plan.

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With this in mind, it is crucial to understand all Medicare Part D plans that are available to you and be educated on the highest-rated plans on the market today.

Medicare Supplement Coverage Chart

What are the Top 5 Rated Medicare Prescription Drug Plans for 2022?

  1. SilverScript
  2. Humana
  3. Mutual of Omaha
  4. UnitedHealthcare
  5. Cigna

How Do Ratings Work for Medicare Prescription Drug Plans?

Medicare Part D plans are ranked on a five-star scale. However, just because a policy is 5-stars in your area does not mean it is the top-rated plan in the country. This is because, just like the plans, ratings also vary by zip code.

It is good to note that no one plan that will fit everyone’s needs. The best plan for you could be the worst plan for your spouse and vice versa. Spending time ensuring your plan is the best value for your drugs is important when it comes to Part D coverage.

SilverScript Medicare Prescription Drug Plans

  • SilverScript SmartRx
  • SilverScript Choice
  • SilverScript Plus
SilverScript Medicare Prescription Drug Plans Average Monthly Premium Recommended for those who
SilverScript SmartRx $7.08 Take no medications or few generic medications
SilverScript Choice $30.78 Take a few generic medications or mid-tier medications
SilverScript Plus $68.97 Take brand-name or high-tier medications

Although costs vary by zip code, the average nationwide monthly premium cost of the SmartRX plan is only $7.08, making it the most affordable Medicare Part D plan on the market. The Choice plan averages $30.78 per month, and the Plus plan averages $68.97 per month nationwide.

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Each SilverScript plan is an excellent option for coverage. However, depending on the medications you take, one option could be more beneficial for you than the other.

For example, someone with a few generics would find the Plus plan more insurance than necessary and might gravitate towards the SmartRX plan. On the contrary, a person with many brand-name drugs could discover that the SmartRX plan does not cover their brand-name drugs as well as the Plus plan would.

SilverScript Network Pharmacies

The preferred pharmacies with SilverScript vary depending on which policy you have. However, the differences are not too significant. The SmartRX plan preferred pharmacies include CVS, Walmart, and thousands of independent drug stores nationwide. The Choice and Plus plan add Publix, Kroger, and Albertsons to their list of preferred pharmacies as well.

If you want to eliminate the hassle of driving to the pharmacy, all SilverScript plans offer CVS Caremark Mail-Order Pharmacy as an option. This mail-order pharmacy is a preferred pharmacy in all three plans.

SilverScript Overall Review

SilverScript has rightfully earned the top spot on our list of top five prescription drug plans with low-cost plans that warrant high coverage for many prescription medications. With excellent customer service, low monthly premiums, deductibles, copayments, and a high customer satisfaction rating, there is likely a SilverScript plan to meet everyone’s needs.

Humana Medicare Part D Plans

  • Walmart Value Rx Plan
  • Basic Rx Plan
  • Premier Rx Plan
Humana Medicare Prescription Drug Plans Average Monthly Premium Recommended for those who
Humana Walmart Value Rx Plan $22.70 Take few generic medications
Humana Basic Rx Plan $50.60 Take several generic medications or few mid to high-tier medications
Humana Premier Rx Plan $78.60 Take multiple brand name or high-tier drugs

The Humana Walmart Value Rx Plan is excellent for someone with very few generic medications, or certain name-brand medications. The Basic plan is best for those who are taking a few more maintenance medications that are both generic and name brand. As for the Premier Plan, this is best for those who take higher-tier medications and need a higher level of coverage on those.

With an average monthly premium in 2022 of $22.70, $50.60, and $78.60, respectfully. The Walmart Value, Basic, and Premier plans are great options for many Medicare Part D beneficiaries.

Humana Network Pharmacies

Preferred Pharmacies on the Humana network are easy to remember –  Walmart, Sam’s Club, and thousands of local pharmacies. Humana policyholders also have access to Humana Pharmacy. This is a mail-order pharmacy that offers the lowest possible drug costs on Humana plans. For a full list of Humana pharmacies, a lookup tool is available on the Humana mobile app

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Humana Medicare Part D Overall Review

Offering $0 copayments on many generic drugs on all their plans, Humana is a great option for someone who primarily uses generic drugs. All three plans have a $480 deductible that can be met quickly if you take higher-tier drugs. With an option for everyone, Humana Medicare Part D plans could potentially save you the most money in 2022.

Mutual of Omaha Medicare Part D Plans

  • Mutual of Omaha RX Premier
  • Mutual of Omaha RX Plus
Mutual of Omaha Medicare Prescription Drug Plans Average Monthly Premium Recommended for those who
Mutual of Omaha RX Premier $34.80 Take several generic medications or mid to high-tier medications
Mutual of Omaha RX Plus $90.82 Take many name-brand medications

With an average monthly premium of $34.80, the Premier policy has no deductible on medications in the first two tiers at preferred pharmacies. But, this plan has a $480 deductible on all other tiers.

Averaging $90.82 per month, the Plus Plan has a deductible of $480 that applies to all tiers. However, the Plus plan has a broader range of drugs that have coverage.

Mutual of Omaha Network Pharmacies

The Mutual of Omaha preferred pharmacy network is the same for both plans. CVS, Target, Sam’s Club, Walmart, and many regional pharmacies are included in the list of preferred pharmacies with Mutual of Omaha.

Mutual of Omaha Part D Overall Review

Mutual of Omaha has been in the Medicare Supplement industry since Medicare began. Those looking for a reliable company could find benefits here.

With one of the highest-rated customer service departments, this top-rated insurance carrier helps many people each day. By incorporating Medicare Part D, and offering plans for various coverage levels, they can assist even more.

UnitedHealthcare Medicare Part D Plans

  • Walgreens Plan
  • Saver Plus Plan
  • Preferred plan
UnitedHealthcare Medicare Prescription Drug Plans Average Monthly Premium Recommended for those who
UnitedHealthcare Walgreens Plan $30.25 Take generic medications
UnitedHealthcare Saver Plus Plan $56.02 Take many name-brand drugs or mid-tier medications
UnitedHealthcare Preferred Plans $99.76 Take many name-brand and high-tier medications

Those with a shorter list of generic medications would be best suited for the Walgreens Plan, and those with higher tier brand-name drugs would find their most significant coverage on the Preferred Plan. However, if you lie somewhere between, the Saver Plus Plan might be best for you.

UnitedHealthcare Preferred Pharmacy

Preferred pharmacies differ from plan to plan for UnitedHealthcare Medicare Part D. The Walgreens Plan offers the smallest network of preferred pharmacies, with Walgreens being the only preferred pharmacy. The Preferred Plan and Saver Plus plan offer pharmacies like Publix, Walmart, or Walgreens. There are several other in-network pharmacies that accept this coverage, just at a slightly higher price.

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UnitedHealthcare Part D Overall Review

UnitedHealthcare has a wide range of insurance products and boasts a great track record with customers. The cost of their plans is generally a bit higher than most others. But, if you have specific drugs that only they cover, this plan could be your best option.

Cigna-HealthSpring Medicare Prescription Drug Plans

  • Cigna Secure Rx
  • Cigna Essential Rx
  • Cigna Extra Rx
Cigna Medicare Prescription Drug Plans Average Monthly Premium Recommended for those who
Cigna Secure Rx $30.40 Take mostly generic medications
Cigna Essential Rx $32.81 Take a few generic medications or mid-tier medications
Cigna Extra Rx $60.59 Take brand-name or high-tier medications

The Essential policy is the lowest premium option, and the Extra plan has a higher premium than the other two. Like all Part D plans, there is not an option that is one-size-fits-all.

To find the most suitable coverage for your needs, comparing all available options is necessary. Those with multiple brand-name medications who need gap coverage could benefit from a Cigna-HealthSprings Secure-Extra policy.

Cigna Part D Preferred Pharmacy

As far as in-network, Cigna has contracts with over 63,000 pharmacies nationwide. Preferred pharmacies include Kroger, Rite Aid, Walmart, Sam’s Club, Walgreens, and MANY more.

For the most savings, consider enrolling in their mail-order pharmacy program.

Cigna Part D Overall Review

The biggest highlight of the Cigna Rx plans is the pharmacy network. There are several plan options, and thousands of drugs have coverage.

However, drug prices may not be as low as they are on some other carriers. Convenience often warrants a higher cost. If this carrier still has the lowest annual cost for you – while providing all the benefits you need – it’s worth the enrollment.

Medicare Part D Star Rating Factors

The following are the three factors that are a part of a Part D plan’s star rating.

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Customer Service

Quality customer service is essential, especially when something goes wrong. You want a company that is going to help you through any issues as quickly as possible. Face it – when there is an issue, the last thing you want is to be on hold for hours.

Member Experience

Medicare cares about the experience beneficiaries have with their plans. When many members report high satisfaction, the star rating reflects that.

Those who file complaints could impact the ratings of their plans. Further, rating factors consider the improvement a plan makes year after year based on customer feedback.

Accuracy of Drug Pricing and Drug Safety

Plans that have accurate price information are more likely to have higher ratings. Further, Medicare monitors plans for drug safety.


Where can I compare Medicare Part D plans?
When you work with our agents, you reap the benefits of working with an expert. Our agents have access to the top-rated carriers in the nation.
Does Walmart have a prescription drug plan?
Walmart is NOT an insurance company. However, they do take Humana and have a Humana Walmart Value policy.
How do you choose a Medicare Part D plan?
Those who choose coverage on their own are at a disadvantage. When you work with an agent, you get a policy that’s right for you.

How to Find Prescription Drug Plans for Seniors on Medicare

There are many choices for Medicare prescription drug plans in 2022. And, if you're eligible for Medicare, you're eligible for Medicare Part D.

You should always consult with an agent to ensure your drugs have coverage on the Part D formulary. Besides, you don't want to accidentally enroll in Medigap Plan D thinking you have Part D coverage!

Our agents can walk you through a needs analysis to help you identify the best options in your service area. Once you can confidently select your policy, they'll guide you through the application and enrollment process.

If you would like to compare rates in your area, give us a call at the number above. If calling right now isn't an option, fill out our online rate comparison form and start saving money!

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Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

56 thoughts on “Top 5 Best Rated Medicare Prescription Drug Plans for 2022

  1. I’m looking for a prescription plan that will cover the drug Repatha injectables. What would be the best plan?

    1. Hi George! Most Part D plans will cover Repatha. Since each carrier offers different plans in each state, your location will determine what plan is best for you.


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