| Thu, Apr 28, 2011 @ 09:00 AM

Medicare and Prescription Drug Coverage

Posted by Medicare Made Clear

Many Medicare Advantage plans include prescription drug coverage. Does yours? <photo: customer in pharmacy>Medicare Prescription Drug Plans (Part D) help pay for the medications your doctor prescribes for you. Prescription drug coverage is offered by private insurance companies and is available through a standalone drug plan or as part of some Medicare Advantage plans.

If you have Original Medicare (Part A and Part B), a Medical Savings Account or a Private-Fee-For-Service plan with only medical coverage, then you can buy prescription drug coverage through a standalone plan. In general, if you have a Medicare Advantage plan, then you cannot buy, and should not be sold, a standalone Prescription Drug Plan.

Keep in mind that Medicare Prescription Drug Plans vary from company to company and from region to region. Insurance companies must follow federal guidelines and minimum standards regarding the types of drugs their plans cover, but the companies decide which specific drugs will be covered and which pharmacies plan members may use. Each company also negotiates its own prices with drug manufacturers and sets its own member cost-sharing terms. Some offer additional services, such as an online pharmacy and mail-order delivery. Given the differences, it’s important to shop around for the plan that meets your needs and your budget.

To read more about Prescription Drug Plans, you can download the Medicare Made Clear Show Me Guide.  

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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