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The pharmacists also say the plan either does not cover many of the drugs most commonly used by seniors, or charges a higher copayment. Humana spokesman Noland disputes that, saying that the plan’s list is “comprehensive and robust.”

Medicare’s analysis found that the number of drugs covered exceeds the average for all prescription plans, said spokesman Peter Ashkenaz. But the list of preferred pharmacies is limited.

“For some beneficiaries who don’t have access to a Walmart, or don’t go to Walmart, this may not be the best plan for them,” said Ashkenaz. Open enrollment started Monday and runs through Dec. 31.