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Part D – Prescription Drug Coverage

Medicare offers prescription drug coverage, or Part D, to everyone with Medicare. To get Part D, 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.

If you are enrolling in Medicare for the first time, use our 7 Simple Steps to guide you through choosing a Part D plan.

If you are already enrolled in Part D, it pays to review your coverage every year.

Note: If you decide not to join a Medicare prescription drug plan when you're first eligible, and you don't have other creditable prescription drug coverage (for example, such as through you/your spouse’s employer insurance), or you don't get Extra Help, you may have to pay a late enrollment penaltyCreditable coverage means that your drug plan is comparable to Medicare Part D.  This information is usually found in the HR materials or the Evidence of Coverage provided by the health plan, but you can also ask the HR department for it, and ask for the response in writing. You should keep the document in a file in case you need it to show that you had creditable coverage should you decide to sign up for Medicare drug coverage in the future.

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