Medicare Drug Plans (Part D)
These plans add drug coverage to Original Medicare, some Medicare Cost Plans, some Private Fee‑for‑Service plans, and Medical Savings Account plans.
There are 2 ways to get Medicare Prescription drug Plans:
Medicare Advantage (PartC)
You get all of your Part A, Part B, and drug coverage, through these plans. Remember, you must have Part A and Part B to join a Medicare Advantage Plan.
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Medicare Prescription Drug Plans:
It helps pay for the prescription drugs you need. Even if you don’t take prescription drugs now, you should consider getting Medicare drug coverage.
Medicare Prescription Drug Plans:
It is optional and is offered to everyone with Medicare. Suppose you decide not to get it when you’re first eligible. You don’t have other creditable prescription drug coverage (like drug coverage from an employer or union) or get Extra Help.
In that case, you’ll likely pay a late enrollment penalty if you join a plan later. Generally, you’ll pay this penalty for as long as you have Medicare drug coverage. To get Medicare drug coverage, you must join a Medicare-approved plan that offers drug coverage. Each plan can vary in cost and specific drugs covered.
There are two ways to get Medicare Prescription Drug Plans:
1. Medicare drug plans. These plans add drug coverage to Original Medicare, some Medicare Cost Plans, Private Fee-for-Service Plans, and Medical Savings Account Plans. You must have Part A and Part B to join a different Medicare drug plan.
2. Medicare Advantage Plans or other Medicare health plans with drug coverage.
You get all of your Part A, Part B, and drug coverage through these plans. Remember, you must have Part A and Part B to join a Medicare Advantage Plan, and not all of these plans offer drug coverage. Either way, you must live in the service area of the plan you want to join. Both types of plans are called “Medicare drug coverage.”