How Part D Plans Work With Pharmacies in Different States

HeyMOE Tip

If you regularly use two pharmacies (one at home and one away from home) we suggest you set the pharmacy away from home as your preferred pharmacy.

Here's Why: HeyMOE AUTOMATICALLY checks up to 20 local pharmacies in your normal zip code to search for cost savings. This means, if you set the pharmacy in a different zip code/region as your preferred pharmacy, you'll be able to see those costs in line with pharmacy costs you would get at home.  (See example screenshot below.)

You can also re-run your costs any time simply by changing pharmacies. 

How to change your pharmacy in HeyMOE

When you log into your HeyMOE account (https://app.heymoe.com/auth), click on the orange "Change" link underneath "Your Pharmacy". 

Then, in the "Zip Code" box, enter the location of your alternative pharmacy and click the orange "Search" button. Select your pharmacy from the new list.  Then, click on the orange "Next" button to confirm your new selections and run results.

If you travel or move between states, you might wonder whether your Medicare Part D plan will still cover your prescriptions at pharmacies outside your home state.

Here’s what you need to know. 

Your Part D Plan Has a Pharmacy Network

Every Medicare Part D plan contracts with a specific network of pharmacies.
If the pharmacy you visit is in-network, your plan will process your prescription as usual.
If it’s out-of-network, you might have to pay the full price up front and later request reimbursement (and it’s not always guaranteed).

Most Large Chains Work Nationwide

The good news: many big chains — like CVS, Walgreens, Walmart, Costco, and Kroger — have agreements that extend across multiple states.
That means you can often fill your prescription in another state as long as that location participates in your plan’s network.
Always confirm by checking your plan’s pharmacy locator or calling the pharmacy before you travel.

Independent and Regional Pharmacies

Smaller or regional pharmacies may only participate locally.
So, if you fill prescriptions at a hometown pharmacy and travel for the winter (hello, snowbirds!), you’ll likely need to:

1. Transfer your prescriptions temporarily to an in-network pharmacy in your destination state, or

2. Ask your doctor for a larger supply before you leave (up to 90 days if your plan allows).

Mail-Order Pharmacies

Mail-order pharmacies can be a great solution if you travel frequently or live part-time in different places.
Your prescriptions are shipped directly to you, and many Part D plans offer discounted pricing for mail-order refills.