Medicare Part D: Your Questions AnsweredPosted by Medicare Made Clear
Medicare Part D is prescription drug coverage offered to Medicare beneficiaries by private insurance companies. Since it was first introduced in 2006, millions of Medicare beneficiaries have enrolled in a Medicare Part D plan. There are two ways to get Part D coverage. You can purchase a standalone Part D plan to supplement the coverage you receive from Original Medicare. Or you can enroll in a Medicare Advantage plan that includes drug coverage.
Here are answers to frequently asked questions about Medicare Part D coverage:
Who is Medicare Part D Intended For?
Medicare Part D was designed to give beneficiaries the opportunity to obtain prescription drug coverage. Beneficiaries who enroll in a Part D plan pay for the coverage out-of-pocket. If you’re enrolled in Original Medicare, also known as Part A (hospital coverage) and Part B (doctors visits), adding a Part D plan does not change your existing Medicare coverage. You can also receive Part D drug coverage built into a Medicare Advantage plan.
How Do Part D Plans Differ?
Medicare Part D plans (see a video) are offered by private insurance companies and can differ significantly in price and coverage. These plans are offered regionally so the prescription coverage options that you have can be very different from those of a relative living in another county or state. Your local Social Security office can provide information on the Part D plans available in your area. If you’re not sure how to contact your local office, you can call 1-800-772-1213, TTY 1-800-325-0778 or visit secure.ssa.gov to locate the Social Security office nearest you.
Will My Medications Be Covered?
Each Part D plan offers coverage for a specified list of prescription medications. You’ll probably want to review the list of covered medications in each plan you consider before selecting one. If the prescription drugs you’re currently taking aren’t available through the plans in your area, you can share the list of those that are with your doctor. He or she might be able to prescribe a different medication or brand to enable you to take advantage of Medicare prescription drug coverage.
What Will It Cost?
Costs can vary widely based upon the insurance provider, the extent of the prescription medication coverage offered and your location. It’s a good idea to review all the plans available in your area to determine the costs and the best choice for your needs.
The family of UnitedHealthcare® Medicare Solutions plans are insured or covered by an affiliate of UnitedHealthcare, a Medicare Advantage organization with a Medicare contract and Medicare-approved Part D Sponsor.
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