Medicare · Part D

Medicare Part D Drug Plans in Jackson Hole, Wyoming

Standalone drug plans · Drug coverage in Medicare Advantage · Checked against your prescriptions

Medicare Part D helps pay for prescription drugs. You get it through a standalone drug plan added to Original Medicare, or inside a Medicare Advantage plan that includes drugs. We check your prescriptions and pharmacy against each plan’s drug list and show you the yearly cost.

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In plain terms

How Part D works

Two ways to get it

Part D comes from private plans that follow Medicare’s rules. With Original Medicare you add a standalone drug plan; with Medicare Advantage, drug coverage is usually built in. You need to live in the plan’s service area.

The 2027 limits

For 2027, the most a plan can set as its deductible is $700, and once your out-of-pocket costs on covered drugs reach $2,400, your covered-drug costs stop for the rest of the year. For 2026 those figures are $615 and $2,100.

Drug lists and pharmacies

Each plan has its own list of covered drugs and can change it each year. What you pay also depends on the pharmacy: preferred, standard or mail order. That is why we price your exact prescriptions for each plan.

Help with costs

Every plan offers the Medicare Prescription Payment Plan, which spreads your drug costs across the year. Covered insulin is capped at $35 for a month’s supply. Extra Help lowers costs for people with limited income; apply at SSA.gov/extrahelp.

Sources: Medicare.gov, Part D costs; CMS, 2027 Rate Announcement (April 6, 2026), Table V-2; Medicare & You 2027 (CMS Product 10050, September 2026); Social Security, Extra Help — read October 13, 2026.

Teton County

How we check your Part D in Teton County

Your list, priced plan by plan

Bring your list of drugs, doses and the pharmacy you use. We run it through Medicare’s Plan Finder for each plan and show you the yearly total, so you compare what you would actually pay.

With either path

On Original Medicare with a Medicare Supplement, Part D is its own plan. Choosing Medicare Advantage, we compare the drug coverage inside each plan. Either way, the same check.

Every fall

Drug lists, tiers and pharmacy networks change each year. Annual Enrollment, October 15 to December 7, is the time to re-run your list for the year ahead.

Jackson · Wilson · Teton Village · Kelly · Moran · Alta — and Medicare clients across Wyoming, Idaho, Montana, Colorado, California and Texas.

Sources: Medicare.gov, Medicare Plan Finder; Medicare & You 2027 (CMS Product 10050, September 2026) — read October 13, 2026.

The Medicare Clarity Review

7-Step Path

Three phases. Each one delivers a clear outcome before moving to the next.
Review, compare and enroll, then support all year,
run the same way every time by the same named agent.
Phase 1 phase imagery
1
Phase 1
Review

Get clear on where you stand today.

  • 1
    Coverage review
    Walk Part A/B, Medigap, Medicare Advantage, Part D
  • 2
    Needs check
    Doctors, drugs, budget, travel
  • 3
    Enrollment check
    Confirm Part A and Part B are in place — if not, we send the Social Security instructions and follow up in two weeks
You walk away with

A plain-language snapshot of your current Medicare and any gaps.

Phase 2 phase imagery
2
Phase 2
Compare & Recommend

See your real options.

  • 4
    Market comparison
    Compare Medigap, Medicare Advantage, Part D and ancillary across the carriers we represent
  • 5
    Recommendation
    Plain-language pros and cons
You walk away with

Your options compared and a clear recommendation.

Phase 3 phase imagery
3
Phase 3
Enroll & Defend

Lock it in, then keep it right.

  • 6
    Enrollment
    Paperwork and confirmations
  • 7
    Year-round service
    Claims and billing help, AEP review, special enrollment periods
You walk away with

Enrollment done and a year-round partner.

You decide what, if anything, to change.

Before any plan-specific discussion, CMS requires a signed Scope of Appointment.

Carrier partnerships

Independent Agent — Multiple Carriers

WY · ID · MT · CO · CA · TX

Independent Wyoming insurance brokerage · Chamber of Commerce Board of Directors and Membership Committee · Government Committee · SHRM member

More Options

Access to multiple carriers means more plan designs and network choices.

Unbiased Guidance

How we’re paid is disclosed in writing up front — recommendations are based on fit.

Ongoing Support

Year-round service and renewal strategy — not just during open enrollment.

The numbers

Part D limits for 2026 and 2027

Medicare sets these limits each year. Each plan sets its own premium and cost-sharing within them.

20262027
Highest deductible a plan can set$615$700
Out-of-pocket cap on covered drugs$2,100$2,400
Covered insulin, a month’s supplyUp to $35Up to $35
National base premium, used for the late enrollment penalty$38.99$41.33

Read more: Medicare Supplement (Medigap) plans · Medicare Advantage plans

Sources: Medicare.gov, Part D costs; CMS, 2027 Rate Announcement (April 6, 2026), Table V-2; Medicare.gov, Part D Late Enrollment Penalty (CMS Product 11222); CMS, 2027 Part D national average monthly bid amount (July 28, 2026); Medicare & You 2027 — read October 13, 2026.

Medicare plan types: Medicare Advantage · Medicare Supplement (Medigap) · Part D drug plans · All Medicare options in Jackson Hole
Medicare by area: Star Valley, WY · Teton Valley, ID · Medicare agent in Wyoming

Review your setup and decide the next step.

Schedule Your Medicare Clarity Review

Engage now or revisit at your next renewal.

One team, one clear path, every renewal.

Heather Huhn, licensed independent insurance agent, Huhn Insurance, Jackson Hole
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Artemus Huhn, co-owner, Huhn Insurance, Jackson Hole
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Timing

When you can join or switch

Part D runs on fixed windows. We track them with you.

Initial Enrollment — 7 months around 65

Join Part D when you first get Medicare

Annual Enrollment — Oct 15–Dec 7

Switch drug plans; new coverage starts Jan 1

Medicare Advantage Open Enrollment — Jan 1–Mar 31

Leaving Medicare Advantage: you can join a drug plan

Special Enrollment — moving or losing coverage

Usually 2 full months after the event

Dates from Medicare.gov, Joining a Plan and Special Enrollment Periods — read October 13, 2026.

Common questions

What people ask about Part D.

Medigap plans sold today do not include drug coverage. Unless you have other creditable drug coverage, such as from an employer, joining Part D when you are first eligible keeps you clear of the late enrollment penalty.

Most Medicare Advantage plans include drug coverage. If you join an HMO or PPO without drug coverage, you cannot add a separate Part D plan.

If you go 63 days or more in a row without Part D or other creditable drug coverage after your Initial Enrollment Period ends, Medicare adds a penalty when you join: 1% of the national base premium, $41.33 in 2027, for each full month without coverage. It usually lasts as long as you have Part D.

Each year during Annual Enrollment, October 15 to December 7, with the new plan starting January 1. Moving, losing other drug coverage and some other events open a Special Enrollment Period.

Yes. A Part D plan cannot charge more than $35 for a month's supply of each covered insulin, and the deductible does not apply to it.

No more than $700, up from $615 in 2026. Each plan sets its own deductible within that limit.

Yes. Extra Help lowers Part D costs for people with limited income and resources; in 2027 costs are generally no more than $5.80 for a generic and $14.40 for a brand drug. People with Medicaid, a Medicare Savings Program or SSI qualify automatically, and others apply at SSA.gov/extrahelp.

The carrier pays our commission and it's built into the premium. Medicare commissions are set by CMS and paid by the carrier. How we are paid is disclosed in writing up front.

Reviewed by Heather Huhn, Licensed Independent Insurance Agent, NPN 19222086 · About Heather · Updated October 13, 2026.

Key figure. The Part D out-of-pocket cap on covered drugs is $2,400 for 2027, up from $2,100 in 2026. Source: CMS, 2027 Rate Announcement, Table V-2 — read October 13, 2026.

Read next. Medicare Advantage plans · Medicare Supplement (Medigap) plans · Missed your Medicare enrollment window in Wyoming: what happens next

Review your setup and decide the next step.

Schedule Your Medicare Clarity Review

Engage now or revisit at your next renewal.