Medicare Basics

Prescription Drug Coverage

Medicare prescription drug coverage, or Part D, helps you pay for the prescriptions you need. Even if you don’t need prescription drug coverage now, you should still consider getting coverage for future prescriptions.

Medicare Prescription Drug Coverage

How to get prescription drug coverage

Medicare drug coverage is optional and is offered during your enrollment period. To get Part D prescription drug coverage you must join a Medicare-approved plan that offers drug coverage. If you choose not to get drug coverage when you enroll in Medicare, you’ll likely have to pay a late enrollment penalty for as long as you have coverage. There are two ways to get Part D coverage:

Medicare Drug Plan

Enrolling in a Medicare-approved drug plan will add drug coverage to orginal Medicare or some other plans. You must have Medicare Part A and/or Part B to join a prescription drug plan.

Medicare Advantage Plan

Enrolling in a Medicare Advantage (Part C) plan with prescription drug coverage will get you Part A, Part B, and drug coverage. You must have Medicare Part A and B to get an Advantage Plan but not all Advantage Plans include drug coverage.

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