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Rick Sobotka, MBA
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Rick@CarefreeInsuranceGroup.com

        AZ Direct: (623) 229-7802
        AR Direct: (501) 264-4776

     Toll Free: (866) 478-8251
                Fax: (866) 773-9748   


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Part D - Medicare Prescription Drug Coverage

Medicare offers prescription drug coverage to everyone with Medicare.

If you decide not to join a Medicare drug plan when you’re first eligible, and you don’t have other creditable prescription drug coverage, or you don’t get Extra Help, you’ll likely pay a late enrollment penalty.

To get Medicare prescription drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare. Each plan can vary in cost and drugs covered.

Two types of plans offer Medicare prescription drug coverage:

  • Medicare Prescription Drug Plans - These plans (sometimes called "PDPs") add drug coverage to Original Medicare, some Medicare Cost Plans and some Medicare Private Fee-for-Service (PFFS) Plans. 
  • Medicare Medical Savings Account (MSA) Plans - Medicare Advantage Plans (like an HMO or PPO) or other Medicare health plans that offer Medicare prescription drug coverage.  You get all of your Part A and Part B coverage, and prescription drug coverage (Part D), through these plans.  Medicare Advantage Plans with prescription drug coverage are sometimes called "MA-PDs."

Who Can Get Medicare Drug Coverage?

To join a Medicare Prescription Drug Plan, you must have Medicare Part A and/or Part B.  To get prescription drug coverage through a Medicare Advantage Plan, you must have Part A and Part B.

How to Join a Medicare Drug Plan

Once you choose a Medicare drug plan, you may be able to join by completing a paper application, calling the plan, enrolling on the plan's Web site, or through the MPDPF LINK.  You can also enroll by calling 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.  Contact the specific plan you're interested in to find out how to join.  Medicare drug plans aren't allowed to call you to enroll you in a plan. Call 1-800-MEDICARE to report a plan that does this.  Visit the Medicare Prescription Drug Plan Finder for a list of Medicare drug plans in your area.

For more information visit http://www.medicare.gov or download Medicare & You 2012 a summary of Medicare benefits, coverage options, rights and protections, and answers to the most frequently asked questions about Medicare.

                                                                                                                                                                                           
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