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Medicare Part D

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Medicare Part D

Medicare Part D is a federal program administered through private insurance companies like Straub Insurance.

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.

Tips For Choosing Medicare Drug Coverage

If you’re wondering how to choose a Medicare drug plan that works for you, the best way is to start by looking at your priorities. See if any of these apply to you:

You Take Specific Drugs

Look at drug plans that include your prescription drugs on their formulary (a list of prescription drugs covered by a drug plan). Then, compare costs.

You Want Extra Protection From High Drug Costs

Look at drug plans offering coverage in the Coverage gap, and then check with those plans to make sure they cover your drugs in the gap.

You Want Drug Expenses To Be Balanced Throughout The Year

Look at drug plans with no or a low Deductible, or with additional coverage in the Coverage gap.

You Take A Lot Of Generic Prescriptions

Look at Medicare drug plans with “tiers” that charge you nothing or low copayments for generic prescriptions.

Look at Medicare drug plans with a low monthly Premium for drug coverage. If you need prescription drugs in the future, all plans still must cover most drugs used by people with Medicare.

*Coverages may not be applicable to all carriers


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