Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Nov 24, 2021

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The Lowdown

  • Medicare Parts C and D cover prescription drugs
  • The pharmacy must be in your insurance company’s network
  • You can fill a prescription at a retail pharmacy or by mail

Some Medicare health insurance plans cover prescription drugs. In-netowrk pharmacies can fill Medicare-covered prescriptions if you have the right plan.  Prescriptions can be filled in-store or by mail, and there are a lot of  pharmacies that accept Medicare.

Finding a pharmacy that accepts Medicare can be challenge, but we can help. Read on for information on prescriptions with Medicare.

Before learning more about pharmacies that take Medicare, enter your ZIP code to get free Medicare quotes in your area.

What health plan covers pharmacies that accept Medicare?

Neither Medicare Part A nor Part B covers prescription drugs, but Part D coverage pays for prescriptions.

The Social Security Administration explains the different Medicare parts, and Part D is often used for prescription drugs. Customers can add Part D to Original Medicare.

Part C offers the same benefits as Part A and Part B, and often includes vision and dental insurance. In some cases, this plan also includes prescription drug coverage. If not, you can buy Part D separately. Switching from Original Medicare to Part C is often a good choice if you want more coverage.

Each prescription drug plan has a list of covered drugs, called a formulary. Additionally, each formulary has tiers. The tier determines what you pay at the pharmacy.

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What are the types of pharmacies that accept Medicare?

Medicare has contracts with pharmacies, placing them in their network. To use Medicare as payment, the pharmacy has to be a part of your insurance company’s network. As a result, if the pharmacy is out-of-network, you might pay more for your prescription.

There are a few ways to fill a prescription, and the best pharmacy for you depends on your mobility and location. The following are three ways to fill a prescription from the Medicare preferred pharmacy list 2021:

  • Retail pharmacy
  • Home delivery
  • Specialty pharmacy

We will cover each of these below.

Retail Pharmacy

Some retail stores, such as Walgreens, Walmart, and CVS have pharmacies onsite. These retail pharmacies provide non-specialty generic and brand name drugs, most commonly in a 30-day supply.

Larger retail pharmacies can also be extended pharmacies. This allows them to provide a 90-day supply of your prescription.

Home Delivery

Customers that have mobility issues or live far away from a retail pharmacy in their network can get home delivery. You can fill your prescription online or by mail but will need to provide more information to verify your identification.

Home delivery is usually cheaper than retail pharmacies. Additionally, you can get a 90-day supply, regardless of the company filling the prescription.

Specialty Pharmacy

While a retail pharmacy can fill most prescriptions, they are not allowed to supply all drugs. So, if you’re looking to fill an injectable, infused, oral, or inhaled prescription, you need a specialty pharmacy.

These pharmacies are state-licensed to handle medications solely for people with severe health conditions. Not every retail pharmacy is a specialty pharmacy, but many of the largest ones are.

How do you find the best pharmacies that accept Medicare?

Your Part D coverage might be provided by a variety of different companies, like Express Scripts. What pharmacies are in the Express Scripts network? What about other networks?

As previously mentioned, you can only use Medicare to fill a prescription in your insurance company’s network. The best way to find a pharmacy in the network is to look through an online directory. These directories show all pharmacies in your insurance company’s network, such as the BCBSTX pharmacy list 2021.

Pharmacies That Accept Medicare: The Bottom Line

Original Medicare doesn’t cover prescription drugs, but you can get coverage through Part D. Additionally, Part D might be included with an Advantage plan. The pharmacy must be part of your insurance company’s network and allowed to fill your specific prescription.

Learning about pharmacies that accept Medicare will help you determine where to get your medication.

Now that you know about pharmacies that accept Medicare, enter your ZIP code to find free Medicare insurance rates in your area.