Prescription Drugs Program

Medicare Part D

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Prescription Drugs Program - Medicare Part D

Medicare Part D prescription drug coverage is a way to cover the cost of your prescription drugs and is available through private health insurance companies

Benefits of Prescription Drug Plan

Medicare prescription drug coverage is offered through Medicare Advantage plans that include both health care and prescription drug coverage. Medicare Part D is available for eligible participants who are qualified in Medicare Part A and or enrolled in Medicare Part B.

Medicare Part D plans may include any or all of the following:

Prescription drug coverage

Prescription Drugs

Vision Care

Vision Care

Hearing Aids and Hearing Exams

Hearing Care

Medicare Advantage Plans may also offer prescription drug coverage that follows the same rules as Medicare Prescription Drug Plans.

Medicare Prescription Drugs Program - Medicare Part D FAQs

Original Medicare doesn’t cover prescription drugs. You can get either a standalone Medicare Prescription Drug Plan to cover prescription drug costs or get a Medicare Advantage (Part C) plan that includes prescription drug coverage.

Both Medicare Part D plans and Medicare Advantage (Part C) employ list of covered drugs called formulary, where drugs are placed into different levels or tiers. These tiers correspond to the costs of the drug so you should check which tier is right for your medical needs.
Medicare Part D plans come with monthly premiums that vary by policy.

Although the national base beneficiary premium for Part D plans is currently at $33.06, the cost of your Part D plan would depend on the plan you choose. You could end up paying anywhere from $0 to around $200 per month.
Whether you choose a stand-alone Part D drug plan or a Medicare Advantage plan, you must enroll during a designated enrollment period:

Your initial 7-month enrollment period (IEP) which begins 3 months before you turn 65 and ends 3 months aer the month you became eligible.

If you don’t enroll during the initial enrollment period, you’ll only be able to enroll during the annual election period at the end of the year (also called open enrollment) from October 15 to December 7. Your coverage will begin the following year (January 1) and you will be liable for late penalties (usually 1% premium penalty for each month you were out of Part D or alternative creditable coverage). These penalties will be in addition to your Part D drug premiums for all future years.

Got More Questions About Medicare Part D?

Speak with a licensed insurance agent for an in-depth discussion of Medicare Part D coverage and your plan options

Other Medicare Plan Options

Medicare Advantage - Medicare Part C

Medicare Supplement Plans - Medigap

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