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How to get prescription drug coverage
Medicare drug coverage helps pay for prescription drugs you need. Even if you don’t take prescription drugs now, you should consider getting Medicare drug coverage. Medicare drug coverage is optional and is offered to everyone with Medicare. If you decide not to get it when you’re first eligible, and you don’t have other creditable prescription drug coverage (like drug coverage from an employer or union) or get Extra Help, 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.
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Types of Medicare Plans
Medicare Supplement Plans
Medicare Supplements can help pay for the things traditional Medicare doesn’t. Medicare Supplemental Plans are standardized and are identified in most states by letters.
Medicare Advantage Plans
Medicare Advantage plans (Part C) are run by private insurance companies and combine Medicare Parts A (hospital coverage) and B (doctor coverage) plus additional benefits.
Prescription Drug Plans
Medicare Part D plans may help you save on the cost of your prescriptions and by having predictable drug costs this will help you manage your health care budget.
Find the right plan for you
You don’t have to be a Medicare expert to find coverage that fits your needs. Just answer a few questions, and we’ll help simplify the process and give you options to choose from or you can explore coverage options on your own.