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Medicare Part D

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All about Medicare Prescription Drug Plans,
an add on to Original Medicare

Medicare Part D is an optional choice for those enrolled in Original Medicare (Part A and Part B). Part D provides prescription drug benefits and acts as an additional coverage option. It’s not automatically included with Part A and Part B.

Medicare prescription drug coverage can be obtained through a stand-alone Medicare Part D Plan or through a Medicare Advantage plan (Part C) that includes prescription drug coverage. A stand-alone prescription drug plan will work along with Original Medicare, while a Medicare Advantage Prescription Drug plan will provide a single plan including prescription drug coverage.

If you are considering Medicare Advantage, most private insurance companies contracted by Medicare already provide Medicare Part D coverage within their plans. The cost and availability may vary from one insurance company to another and from one location to another.

Medicare Part D Eligibility

You will become eligible to enroll in a Medicare Part D plan if you’ve enrolled in Original Medicare (Part A and Part B) and you live in the service area of the prescription drug plan chosen.

Medicare Part D Enrollment

Once you’ve determined you’re eligible for a Medicare Prescription Drug Plan or Medicare Advantage Prescription Drug plan, you’ll be able to enroll at specific times including:

  • Initial Enrollment Period for Part D (IEP for Part D) – Started three months before you turn 65 and ends three months after you turn 65 including your birthday month for a total of seven months.
  • Annual Election Period – Runs from October 15th to December 7th each year
  • Special Needs Plans (SNPs)
  • Special Election Period – Available in some circumstances, such as moving outside your current plan’s service area, moving into a nursing home, or losing your Medicaid eligibility.
  • Medicare Advantage Dis-enrollment Period – January 1st to February 14th.

While you can enroll in Medicare Part D outside of these time frames, you will have to pay a late-enrollment penalty.

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This website is operated by GoHealth, LLC., a licensed health insurance company. The website and its contents are for informational and educational purposes; helping people understand Medicare in a simple way. The purpose of this website is the solicitation of insurance. Contact will be made by a licensed insurance agent/producer or insurance company. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. Our mission is to help every American get better health insurance and save money.

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