Senior Health Information and Insurance Education

Part D Coverage

What is Medicare Part D?

Part D plans are a way for seniors age 65 and people with disabilities on Medicare to cover the cost of prescription drugs.

How to qualify for Part D

You must have or qualify for:
Signing up for Part D is optional. If you delay signing up for Part D without creditable coverage, you may accrue penalties.

When can I join?

  • If you already have Medicare, you can enroll in a Part D plan October 15 through December 7 of each year.
  • During this time, you can change plans, drop plans or sign up.
  • If you're nearing age 65, you can join Part D during your Initial Enrollment Period.

How can I enroll?

You can enroll by:
  • Calling the plan directly
  • Calling 800-MEDICARE (800.633.4227) or
  • Going to Medicare.gov

Look for a plan that covers all of your prescriptions

Cost
Coverage
  • Find out if any of your medications have restrictions or need prior authorization from your provider.
  • Make sure all of your medications are on the formulary of the plan you are considering.
Convenience
  • Find out if Medicare contracts with your pharmacy or if you can get your drugs through mail order.
  • Each plan covers different prescription drugs. Review each one carefully to find the plan that best meets your needs.

Need help paying for Medicare?
Medicare.gov Plan Finder
Medicare.gov Plan Finder Instructions

 
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