Amazon Pharmacy accepts Medicare Part D, but not all Medicare plans cover the same drugs at the same price
Yes, Amazon Pharmacy works with Medicare Part D plans. When you fill a prescription there, your Part D coverage applies the same way it does at any other pharmacy — you pay your copay or coinsurance, and your plan pays the rest. Amazon Pharmacy is a licensed pharmacy in all 50 states, and Medicare Part D plans are required to accept it as an in-network option.
The catch is that your specific Part D plan controls which drugs are covered, at what price, and whether Amazon Pharmacy is in your plan's network. Not every Part D plan includes Amazon Pharmacy in their network, and not every drug you take will be on your plan's formulary — the list of covered medications. Before you switch to Amazon Pharmacy, you need to check whether your plan covers it and whether your prescriptions are on that plan's list.
Key Takeaways
- Medicare Part D plans must include Amazon Pharmacy as an in-network option, but your specific plan may have different copays or coinsurance there than at other pharmacies.
- You can check whether your prescriptions are covered at Amazon Pharmacy by logging into your Part D plan's website or calling the plan's customer service number on your insurance card.
- Amazon Pharmacy does not accept Original Medicare (Part A and B alone) or Medicare Advantage plans — only standalone Part D plans.
- If a drug is not covered at Amazon Pharmacy under your plan, you can ask your doctor for a different drug on your plan's formulary, or request a coverage exception from your plan.
- Amazon Pharmacy offers free two-day delivery on most prescriptions for Prime members, which can save time compared to picking up at a physical location.
How to check if your Part D plan covers Amazon Pharmacy
Log into your Part D plan's website using your member ID and password. Look for a section called "Find a Pharmacy" or "Pharmacy Locator." Search for Amazon Pharmacy by name. If it appears in the results, your plan accepts it. If it does not appear, call the customer service number on the back of your insurance card and ask directly whether Amazon Pharmacy is in your plan's network.
Once you confirm Amazon Pharmacy is in your network, search for each of your current prescriptions on the plan's website. Enter the drug name, strength, and quantity. The site will show you the copay or coinsurance you would pay at Amazon Pharmacy, and whether the drug is covered at all. If a drug is not listed, it is not covered under your plan — that does not mean Amazon Pharmacy will not fill it, but you would pay the full price out of pocket.
What Medicare plans work with Amazon Pharmacy
Only standalone Part D plans work with Amazon Pharmacy. These are prescription drug plans you buy separately if you have Original Medicare (Part A and Part B). If you have a Medicare Advantage plan (Part C), your prescription coverage is built into that plan, and you cannot use a separate Part D plan. Some Medicare Advantage plans may have their own pharmacy networks that include Amazon Pharmacy, but you would need to check your specific plan's materials.
If you have Original Medicare and a standalone Part D plan, Amazon Pharmacy is available to you. If you have Medicare Advantage, contact your plan to ask whether Amazon Pharmacy is in your network and how your prescriptions would be covered there.
How copays and coinsurance work at Amazon Pharmacy
Your copay or coinsurance at Amazon Pharmacy depends on your Part D plan's formulary and your plan's cost-sharing structure. Most Part D plans have a tiered system: generic drugs cost less, brand-name drugs cost more, and specialty drugs cost the most. Amazon Pharmacy charges the same copay or coinsurance as any other in-network pharmacy under your plan — the price does not change because you are using Amazon instead of a local drugstore.
Some Part D plans offer lower copays for mail-order or home delivery pharmacies, including Amazon Pharmacy. If your plan has this benefit, you may pay less at Amazon Pharmacy than you would at a physical location. Check your plan's summary of benefits or call customer service to see whether mail-order pricing applies to you.
What to do if your drug is not covered at Amazon Pharmacy
If a drug you take is not on your Part D plan's formulary, you have three main options. First, ask your doctor whether there is a similar drug on your plan's formulary that would work for your condition. Your doctor can check the formulary or call your plan to find out. Second, request a coverage exception from your Part D plan. This is a formal request asking the plan to cover a drug that is not normally on the formulary. Your doctor usually has to submit this request, and the plan has 72 hours to respond.
Third, you can pay for the drug out of pocket at Amazon Pharmacy or any other pharmacy. This does not count toward your Part D deductible or out-of-pocket maximum, so it is usually more expensive in the long run. Before you pay out of pocket, ask your plan whether the drug qualifies for a coverage exception — many plans will approve exceptions for drugs that are medically necessary or when other options have not worked.
How to set up an account and place your first order
Go to amazon.com/pharmacy and create an account or sign in with your existing Amazon account. You do not need to be a Prime member to use Amazon Pharmacy, but Prime members get free two-day delivery on most prescriptions. Enter your insurance information, including your Part D plan name and member ID. Upload or transfer your prescriptions from your current pharmacy.
Amazon Pharmacy will verify your prescriptions with your doctor's office and check your Part D coverage. Once everything is confirmed, you will see your copay or coinsurance amount before you place the order. Your prescription will be delivered to your home, usually within two business days for Prime members. You can also pick up prescriptions at Amazon Hub locations in some areas if you prefer not to have them delivered.
Comparing Amazon Pharmacy to other options
Amazon Pharmacy is one choice among many. Other mail-order pharmacies, big-box retailers like Walmart and CVS, and independent local pharmacies all accept Medicare Part D. The main differences are delivery speed, convenience, and sometimes price. Amazon Pharmacy offers fast free delivery for Prime members and a straightforward online interface. Local pharmacies offer face-to-face conversations with a pharmacist and when ready pickup. Big-box retailers offer both in-person and mail options.
Your Part D plan's copay should be the same at all in-network pharmacies, so cost is usually not the deciding factor. Choose based on what is most convenient for you — whether that is home delivery, a pharmacy you already know, or a location near your home. You can also use different pharmacies for different prescriptions if that works better for your situation.
Frequently Asked Questions
Can I use Amazon Pharmacy if I have Original Medicare without Part D?
No. Original Medicare covers hospital and doctor visits, but not prescription drugs. You need a Part D plan to have prescription coverage. You can buy a standalone Part D plan during the annual enrollment period (October 15 to December 7) or within 63 days of losing other coverage. Without Part D, you would pay the full price for prescriptions at Amazon Pharmacy or anywhere else.
Will Amazon Pharmacy deliver to my state?
Amazon Pharmacy is licensed to operate in all 50 states and delivers to all of them. However, some states have different rules about how prescriptions can be delivered or stored. If you live in a state with strict delivery rules, Amazon Pharmacy will tell you during checkout whether delivery is available for your specific prescription. You can always pick up at an Amazon Hub location instead if home delivery is not an option.
What if I switch Part D plans — do I have to switch pharmacies too?
No. Amazon Pharmacy works with all Part D plans, so you can stay with Amazon Pharmacy even if you change plans during open enrollment. Your new plan's copays and formulary may be different, so check your new plan's coverage before your prescriptions run out. You can update your insurance information in your Amazon Pharmacy account anytime.
Can I get a 90-day supply at Amazon Pharmacy?
Yes. Most Part D plans cover 90-day supplies, and Amazon Pharmacy fills them. Your copay for a 90-day supply is usually three times your 30-day copay, though some plans offer discounts for longer supplies. Ask your Part D plan whether it offers a discount for 90-day fills — many do, and it can save you money if you take a drug long-term.
Does Amazon Pharmacy work with Medicaid or other insurance?
Amazon Pharmacy accepts Medicare Part D, most commercial insurance plans, and Medicaid in some states. If you have Medicaid, check with your state's program to see whether Amazon Pharmacy is in your network. If you have commercial insurance through an employer or the marketplace, you can check your plan's pharmacy network the same way you would for Medicare — log into your plan's website or call the number on your card.