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

Look for a plan that covers all of your prescriptions

  • 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.
  • 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.

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