Standalone Drug Plans

Brentwood, TN

Standalone Drug Plans, also known as Medicare Part D, provide prescription drug coverage independently from other Medicare plans. These plans are designed to help manage the cost of medications and can be a great option for individuals who want flexibility in choosing drug coverage without changing their primary health insurance. With a wide range of options, you can select the plan that best meets your medication needs and budget. It's important to enroll in a plan to avoid late enrollment penalties. Let us assist you in finding the right Standalone Drug Plan to ensure you have the coverage you need.

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Standalone Drug Plans - Part D

A drug plan is needed. If you go 63 days without a creditable drug plan in place, you will pay a penalty of 1% of the average USA drug plan cost for every month you go without a drug plan. This penalty is added to the drug plan premium and will remain with you for as long as you have a drug plan in place.



Drug plans can be standalone or part of the all-inclusive Medicare Advantage plans.

 

For 2025, there are significant changes to drug plans across the board with Medicare. Medicare has been given authority to negotiate with pharmaceutical companies to achieve better pricing for seniors. And the Inflation reduction act, among many things, has helped to improve the cost structure of drug plans with Medicare across the board.

The new model no longer has a “donut hole” and the Catastrophic Stage has been reduced from $8,000 annually to $2,000. A significant improvement. Also new to the model is the inclusion of an optional payment plan that one can use to break their drug costs down into a monthly cost instead of a lump sum payment. Speak with your agent about specifics.

 

The Barfield Alliance is a private company, not part of Medicare. We are independent brokers who represent seven companies with many plans in our Middle Tennessee service area. We do not provide access to all plans. You can find more information on Medicare.gov or by calling 1-800-Medicare or at SHIP - https://www.tn.gov/disability-and-aging/disability-aging-programs/tn-ship.html, by calling – 1-877-801-0044 or by emailing to ddd.ship@tn.gov. 

Your Personal Medicare Benefit Advisor 

Learn About Medicare Advantage, Supplements, and More

Choosing a Medicare plan can be intimidating. That's where The Barfield Alliance comes in. As a team of independent Medicare Benefit Advisors, we represent a number of Tennessee’s Medicare insurance companies and their plans. This gives us the knowledge of a variety of plans and their offerings to best suit your needs.

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We Make the Complex Simple

and have been doing so since 2011

Look to us to receive help with the entire process. Learning the ins and outs of Medicare by yourself can lead to potential problems such as missing important deadlines or signing up for a plan that does not include your doctors or medications. We understand just how confusing and difficult it can be without someone by your side guiding you through the entire process. We have developed a simple guided process providing you with the knowledge you need upfront to make the right decisions, both financially and medically.

We step you through the entire process, learning your specific needs. We provide essential learning about Medicare, including how it operates, your rights and responsibilities, types of Medicare plans available, as well as help finding a plan that includes your physicians and an appropriate drug plan. We also assist with meeting deadlines because being late can add additional fees or prevent you from obtaining the desired coverage. And we continue to support you even after signing up with your chosen plan.

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We Represent Top-Carriers

We are independent brokers representing many quality carriers in Tennessee.
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Focused on Long-Term Relationships

If and when your needs change, we expect you to let us know. We are accessible and responsive.
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Find the Right Plan & Save Money

We keep our clients from making costly mistakes. There are no fees whatsoever for our services.

What is an Independent Medicare Broker?

As an independent Medicare broker, we are not tied down to representing only one company and their plans.

We are contracted with multiple top insurance carriers in your area which makes it easier for us to find you the perfect fit.

We compare prices and plans with your specific needs in mind and walk you through each step.

We offer exceptional and all-inclusive service including on-going support once you are a client.

FAQS

The best time to reach out to us is 4-6 months before you turn 65.

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Contact us with any questions you may have or to get started with our Medicare Benefit Advising services.

Standalone Drug Plans FAQs

Call 615-881-4065 for more assistance.


    What are Standalone Drug Plans?


  Standalone Drug Plans , also known as Medicare Part D, are a type of insurance that provides prescription drug coverage separately from other Medicare health benefits. These plans offer individuals flexibility in choosing the coverage they need without bundling it with other services.


  Standalone Drug Plans are designed to help individuals manage the cost of their medications, allowing them to select a plan that covers their specific prescriptions. By enrolling in a Standalone Drug Plan, beneficiaries ensure they have access to affordable medication without changing their primary health insurance plan.


Unlike Medicare Advantage plans, Standalone Drug Plans focus exclusively on prescription coverage, making them a great choice for those who already have Medicare Parts A or B and only need assistance with medication costs. Standalone Drug Plans are offered through private insurance companies approved by Medicare, providing a range of options to suit individual needs and budgets.


In summary, Standalone Drug Plans provide a critical solution for individuals seeking prescription drug coverage without the need to change their existing health coverage, ensuring cost-effective and personalized care.

  • Can you tell me more about your company?

    The Barfield Alliance LLC is a husband-and-wife team of Medicare Benefit Advisors. We started our company with the goal of simply helping clients choose a Medicare plan. With our backgrounds in training and personal experiences going through the Medicare plan selection process ourselves, we realized we could help others.


    We were determined to develop a simple guided process with the knowledge required for clients to make the decisions that are right for their needs, both medically and financially. We walk our clients through the entire process, providing appropriate information to enable you to make a solid decision on a plan that includes your physicians and an appropriate drug plan. We will help you decide whether a Medicare Advantage plan is right for you among other choices because as independent brokers we are able to provide access for you to all the types of Medicare as well as a range of quality carriers and their plans specific to your needs. Our work is not done after you have found the right plan. We will continue to offer you support after your enrollment. As your Medicare Benefit Advisor, we are focused on developing and retaining a long-term relationship with you.


    Several hundred clients have come to us for the savings and ended up staying for the on-going service. Join our long list of satisfied clients today! We are sure you will be pleased to find an exceptional and all-inclusive service that is just what you have been searching for and need!

  • When should I start talking to an advisor?

    A good time to reach out to us is 5-6 months before turning 65 so that we can direct you to items that need to be done in preparation, including contacting Social Security, if necessary. The entire process has timelines to keep in mind. Missing one can mean loss of an opportunity or adding significantly to the cost of your coverage.


  • What does an independent agent do?

    As an independent agent, we represent numerous insurance companies that provides us access to a broad range of plans that we can sell to meet specific client’s needs. Unlike agents who are employed solely by one insurance company and their plans, we help our clients learn about the ins and outs of Medicare, meet deadlines, and keep them from making costly mistakes. As independent agents, our services are also offered at no cost to our clients. This is possible because our compensation is provided by the insurance companies we represent.

  • Do I need a Medicare Supplement?

    You might be wondering if you might need Medicare Supplement insurance. This is an understandable question that many of us have asked. Medicare Supplements are often referred to as Medigap coverage. Medicare Supplements are optional, however, generally worth it, especially if you have current costly health issues. A Medicare Supplement plan fills the 20% gap in your medical coverage left by Original Medicare thereby taking out that sizable risk. And it takes care of things like co-payments and co-insurance. However, there is a timeframe that needs to be met to qualify for a Supplement when you have issues with your health. As you can see. Medicare Supplements can be a confusing topic if you do not understand the ins and outs. That’s why we are here for you. Give us a call today.