90-Day Mail Order
Pay 1 copay for 3 months of medication.
Why 90-day supply?
- Most Medicare Part D plans offer this.
- Pay 1–2 copays instead of 3 for same meds.
- Annual savings: $50–$300+ depending on meds.
- Fewer pharmacy trips.
- Mail-order delivery typical.
- Only available for maintenance medications.
How to set up
- Call your Medicare Part D plan.
- Ask: "What's your mail-order pharmacy?"
- They'll connect you to mail-order or transfer Rx.
- Doctor sends 90-day prescription.
- First shipment in 7–10 days.
- Auto-refills every 90 days.
Major mail-order pharmacies
- Express Scripts (often AARP/UnitedHealth).
- OptumRx (often UnitedHealth).
- CVS Caremark (often Aetna/SilverScript).
- Humana Pharmacy.
- Cigna Home Delivery.
- Each plan partners with one specific pharmacy.
Sample savings
- Tier 1 generic: $0/90 days vs $1/30 days = $12/year saved.
- Tier 2 brand: $25/90 days vs $25/30 days = $300/year saved.
- Tier 3 specialty: $40/90 days vs $40/30 days = $480/year saved.
- 5 medications switched = $1,500+ savings.
- Worth checking your specific plan's structure.
- Some plans charge 2 copays for 90 days, still save 1.
What can't be 90-day
- Antibiotics + short-term meds.
- Controlled substances often limited.
- Recently-started medications (need to test first).
- Some specialty medications.
- Anything requiring close monitoring.
- Maintenance meds work best for 90-day.
Tips for success
- Order 7–10 days before running out.
- Auto-refill enrollment helps.
- Verify shipping address always current.
- Have backup 30-day at local pharmacy if possible.
- Mail-order keeps refills tracked centrally.
- Easier for adult children to help manage.
Call your Part D plan today
If you're on Medicare Part D and not using 90-day mail-order for maintenance medications, you're probably overpaying. Call the number on your plan card today and ask: "What's the mail-order pharmacy savings on my drugs?" The 10-minute call could save $500+/year. Many seniors don't know this option exists.