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Medicare Part D Prescription Drug Plans

Part D adds prescription drug coverage to Original Medicare and some Medicare Advantage plans. These plans are offered by private companies approved by Medicare, and must follow guidelines established by The Centers for Medicare and Medicaid Services.

If you decide not to join a Medicare Prescription Drug Plan (Part D) when you're first eligible, and you don't have other creditable prescription drug coverage or don't get Extra Help, you'll likely pay a late enrollment penalty when you do join a plan.

Medicare Part D Highlights

Medicare Part D Highlights

There are 2 ways to get Medicare prescription drug coverage:

  1. Medicare Prescription Drug Plan (Part D). These plans (sometimes called "PDPs") add drug coverage to Original Medicare and some Medicare Advantage plans.
  2. Medicare Advantage Plan (Part C) (like an HMO or PPO) or other Medicare health plan that offers Medicare prescription drug coverage. You get all Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage and prescription drug coverage (Part D) through these plans. Medicare Advantage Plans with prescription drug coverage are sometimes called “MA-PDs.” You must have Medicare Part A and Part B to join a Medicare Advantage Plan.