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Lower Prescription Drug Costs with Medicare Part D

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Medicare Part D Helps You
Pay Less for Prescriptions

Medicare Part D helps cover the cost of prescription drugs. It’s optional and offered by private insurance companies approved by Medicare. Many Medicare Advantage plans already include drug coverage as part of their benefits.

How You Can Get Medicare Drug Coverage

You have two ways to get Medicare Part D

Stand-Alone Prescription Drug Plan (PDP):This adds drug coverage to Original Medicare.

Medicare Advantage Plan (Part C):These plans include hospital (Part A), medical (Part B), and drug (Part D) coverage all in one. Many also include extra benefits like dental, vision, and hearing.

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Start With the Right Prescription Plan

Plans in Your Area

Find out which Medicare drug plans are available near you.
Prescription Coverage

See if your medications are included in the plan’s list.
Understanding Costs

Learn about premiums, deductibles, and cost-sharing.
Get Enrollment Help

Licensed agents can guide you through the process.

Medicare Part D Plan Basics

Medicare Part D is regulated and subsidized by the federal government, offering prescription drug coverage for outpatient medications. Here is how the coverage typically works.

Drugs Covered Wide range of brand-name and generic prescription drugs.

Monthly PremiumPart D plans have a monthly cost that varies by plan.

Deductibles & Cost-sharingPlans have deductibles and cost-sharing terms, which vary by plan.

FormularyEach plan has a list of covered drugs, called a formulary, with medications organized into tiers. Lower-tier drugs usually cost less than higher-tier ones.

Key Facts
About Medicare Drug Plans

Who Can Join

Medicare Part D is available to anyone with Medicare Part A and/or Part B. You must live in the plan’s service area and enroll in a plan approved by Medicare. Coverage is offered through private insurance companies that follow Medicare rules.

Enrollment Periods

You can enroll in Part D when you first become eligible for Medicare or during the Annual Open Enrollment Period (October 15 to December 7). Special Enrollment Periods may apply if you lose other drug coverage or move to a new area.

Drug Plan Options

There are two ways to get Medicare drug coverage: a stand-alone Part D Prescription Drug Plan (PDP) added to Original Medicare, or a Medicare Advantage Plan (Part C) that includes drug benefits. Plan availability and costs may vary by location.

What Plans Cover

Each Medicare drug plan has its own list of covered medications (called a formulary), which may include both brand-name and generic drugs. Plans may group drugs by cost tier, and most cover a wide range of prescriptions used to treat common conditions.

Benefits of
Medicare Part D

Medicare Part D helps you pay for your prescription drugs, covering both brand‑name and generic medicines. You will have a set monthly premium, deductible, and copay, so you know what your costs will be. You can pick a stand‑alone drug plan or add drug coverage to a Medicare Advantage plan. If you qualify for the Extra Help program, you will pay even less out of pocket.

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Frequently Asked Questions

Do I need a separate plan for prescription drugs?

Yes. If you have Original Medicare, you need to join a Medicare Part D plan to get drug coverage. It’s not included with Part A or Part B.

What happens if I wait to sign up for Part D?

You could pay a late penalty each month that adds to your cost. If you don’t have other drug coverage, it’s best to enroll when you’re first eligible.