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What AARP Part D Plans Are Offered in 2025?

AARP offers Medicare Part D plans through UnitedHealthcare. Individuals do not have to be AARP members to enroll in these plans. UnitedHealthcare partners with AARP to offer Medicare-eligible individuals two types of stand-alone Part D plans. These plans help cover the costs of prescription medications. According to the nonprofit KFF, the estimated number of enrollees in AARP Part D plans in 2025 is around 2.8 million people. This makes the AARP and UnitedHealthcare partnership one of the most popular collaborations for stand-alone Part D plans. The costs of these plans may vary based on an individual's location. Out-of-pocket costs may include premiums, deductibles, and copayments. Glossary of common Medicare terms Out-of-pocket cost: This is the amount you pay for care when Medicare doesn't pay the full cost or offer coverage. It includes premiums, deductibles, coinsurance, and copayments. Premium: This is the monthly amount you pay for Medicare coverage. Deductible: This is the annual amount you must spend out of pocket before Medicare begins to cover services and treatments. Coinsurance: This is the percentage of treatment costs you're responsible for paying out of pocket. With Medicare Part B, you typically pay 20%. AARP Part D plan coverage in 2025 All Medicare Part D plans, including AARP plans, have formularies (drug lists) that tell what drugs they cover. AARP formularies are categorized into 5 different tiers: Tier 1: includes preferred generic drugs Tier 2: includes other generic drugs Tier 3: includes preferred brand-name drugs Tier 4: non-preferred drugs Tier 5: specialty drugs The copayments and coinsurance vary by tier and whether you use a preferred pharmacy. AARP Part D plan costs in 2025 The costs of AARP Part D plans can vary depending on: your location your medications your pharmacy (preferred pharmacies offer more savings) When choosing a Part D plan, it is important to keep in mind that you will still be responsible for paying the Medicare Part A premium, if you have one, and the Part B premium of at least $185 per month. You also have to pay the Part A and Part B deductibles. Part D plans will also include costs like premiums, deductibles, copayments, and coinsurance. KFF notes that the monthly premium for the AARP Medicare Rx Preferred plan has decreased by $10 from the 2024 amount. The following table gives examples of the 2025 monthly costs for AARP Medicare Rx Preferred plans in four different cities across the United States. New York (ZIP code: 10002) Atlanta (ZIP code: 30308) Denver (ZIP code: 80204) Seattle (ZIP code: 98107) Monthly premium $113.70 $100 $104.70 $83.80 Deductible $0 $0 $0 $0 Tier 1: Preferred generic drugs • preferred network pharmacy: $5 copay (30-daysupply) • standard network pharmacy: $13 copay (30-day supply) • preferred network pharmacy: $5 copay (30-daysupply) • standard network pharmacy: $13 copay (30-day supply) • preferred network pharmacy: $5 copay (30-daysupply) • standard network pharmacy: $13 copay (30-day supply) • preferred network pharmacy: $5 copay (30-daysupply) • standard network pharmacy: $13 copay (30-day supply) Tier 2: Generic drugs • preferred network pharmacy: $10 copay (30-day supply) • standard network pharmacy: $18 copay (30-day supply) • preferred network pharmacy: $10 copay (30-daysupply) • standard network pharmacy: $18 copay (30-day supply) • preferred network pharmacy: $10 copay (30-daysupply) • standard network pharmacy: $18 copay (30-day supply) • preferred network pharmacy: $10 copay (30-daysupply) • standard network pharmacy: $18 copay (30-day supply) Tier 3: Preferred brand drugs $47 copay (30-day supply) $47 copay (30-day supply) $47 copay (30-day supply) $47 copay (30-day supply) Tier 4: Non-preferred drugs • preferred network pharmacy: 40% of the cost (30-day supply) • standard network pharmacy: 45% of the cost (30-day supply) • preferred network pharmacy: 40% of the cost (30-daysupply) • standard network pharmacy: 45% of the cost (30-day supply) • preferred network pharmacy: 40% of the cost (30-daysupply) • standard network pharmacy: 45% of the cost (30-day supply) • preferred network pharmacy: 40% of the cost (30-daysupply) • standard network pharmacy: 45% of the cost (30-day supply) Tier 5: Specialty drugs 33% of the cost (30-day supply) 33% of the cost (30-day supply) 33% of the cost (30-day supply) 33% of the cost (30-day supply) The following table shows examples of 2025 costs for the AARP Medicare Rx Saver plan in the same four cities. New York (ZIP code: 10002) Atlanta (ZIP code: 30308) Denver (ZIP code: 80204) Seattle (ZIP code: 98107) Monthly premium $128.10 $82 $96.30 $37.40 Deductible (annual) $590 $590 $590 $590 Tier 1: Preferred generic drugs • preferred network pharmacy: $2 copay (30-daysupply) • standard network pharmacy: $8 copay (30-day supply) • preferred network pharmacy: $2 copay (30-daysupply) • standard network pharmacy: $8 copay (30-day supply) • preferred network pharmacy: $2 copay (30-daysupply) • standard network pharmacy: $8 copay (30-day supply) • preferred network pharmacy: $2 copay (30-daysupply) • standard network pharmacy: $8 copay (30-day supply) Tier 2: Generic drugs • preferred network pharmacy: $8 copay (30-daysupply) • standard network pharmacy: $10 copay (30-day supply) • preferred network pharmacy: $8 copay (30-daysupply) • standard network pharmacy: $10 copay (30-day supply) • preferred network pharmacy: $8 copay (30-daysupply) • standard network pharmacy: $10 copay (30-day supply) • preferred network pharmacy: $8 copay (30-daysupply) • standard network pharmacy: $10 copay (30-day supply) Tier 3: Preferred brand drugs 16% of the cost (30-day supply) 17% of the cost (30-day supply) 18% of the cost (30-day supply) 18% of the cost (30-day supply) Tier 4: Non-preferred drugs • preferred network pharmacy: 40% of the cost (30-day supply) • standard network pharmacy: 43% of the cost (30-day supply) • preferred network pharmacy: 44% of the cost (30-day supply) • standard network pharmacy: 47% of the cost (30-day supply) • preferred network pharmacy: 43% of the cost (30-day supply) • standard network pharmacy: 46% of the cost (30-day supply) • preferred network pharmacy: 40% of the cost (30-day supply) • standard network pharmacy: 43% of the cost (30-day supply) Tier 5: Specialty drugs 25% of the cost (30-day supply) 25% of the cost (30-day supply) 25% of the cost (30-day supply) 25% of the cost (30-day supply) When choosing a plan, keep in mind that not all plans may have a preferred-network pharmacy in your area. Medicare plan search tool Medicare has its own online search tool. Using this tool, you can find Medicare Advantage and Part D plans available in your area from various companies. You can search for plans by entering your ZIP code. This allows you to compare coverage and cost for various plans. Frequently asked questions Are prescription drugs covered by Medicare Part D? Yes. Medicare Part D plans help cover the cost of prescription drugs. This includes both generic and brand-name medications. Yes. Medicare Part D plans help cover the cost of prescription drugs. This includes both generic and brand-name medications. Can you use AARP for prescriptions? AARP partners with UnitedHealthcare to offer stand-alone Medicare Part D plans. There are two plans that both offer various coverage of prescriptions. AARP partners with UnitedHealthcare to offer stand-alone Medicare Part D plans. There are two plans that both offer various coverage of prescriptions. What is AARP Medicare Rx preferred from UHC PDP? The AARP Medicare Rx Preferred plan from UnitedHealthcare (UHC) is one of the Medicare Part D plan options. These plans typically have higher monthly premiums but do not require you to pay an annual deductible before the plan begins paying for prescription drugs. The AARP Medicare Rx Preferred plan from UnitedHealthcare (UHC) is one of the Medicare Part D plan options. These plans typically have higher monthly premiums but do not require you to pay an annual deductible before the plan begins paying for prescription drugs. Get help from AARP–UnitedHealthcare If you have questions about AARP Medicare Part D plans, you can contact UnitedHealthcare: 866-984-0682 (TTY: 771) Find a UHC agent in your area What is Medicare Part D? Medicare Part D is a prescription drug plan. Part D plans help cover the costs of prescription drugs. Those who are eligible for Medicare typically have two options for Part D coverage: Medicare Advantage plan with prescription drug coverage stand-alone Part D plan to go alongside Original Medicare Costs for Part D plans vary by the insurance provider and your location. Some plans have deductibles you are required to meet before your plan starts paying. When your out-of-pocket costs reach $2,000, you automatically enter catastrophic coverage. This means you will pay nothing for your prescriptions for the rest of the year. »Learn more: Medicare Part D Takeaway AARP partners with UnitedHealthcare to offer Medicare Part D plans. There are two plan options — the preferred plan and the saver plan. Costs and coverage may vary by the area you live in. You can find plan availability in your area by searching your ZIP code on either the AARP and UnitedHealthcare partnership website or the Medicare website.