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Stand Alone Prescription Drug
(Part D)

What is Medicare Part D?

Medicare Part D is a voluntary outpatient prescription drug benefit for people with Medicare provided through private plans that contract with the federal government. It covers most outpatient prescription drugs and is offered through private companies either as a stand-alone plan for those enrolled in Original Medicare or as a set of benefits included with a Medicare Advantage Plan. Medicare Part D helps cover the cost of prescription drugs and may lower costs and protect against higher costs.

Since January 1, 2006, everyone with Medicare, regardless of income, health status, or prescription drug usage, has had access to prescription drug coverage through Medicare Part D. Beneficiaries can choose to enroll in either a stand-alone prescription drug plan (PDP) to supplement traditional Medicare or a Medicare Advantage plan that provides all Medicare-covered benefits, including prescription drugs (MA-PD).

Can you have Medicare Part D and Medicare Advantage?

Yes, it is possible to have both Medicare Part D and Medicare Advantage. Medicare Advantage plans include prescription drug coverage, so if you enroll in a Medicare Advantage plan that includes drug coverage, you will not need to enroll in a separate Part D plan. However, if you enroll in a Medicare Advantage plan that does not include drug coverage, you can enroll in a separate Part D plan. It is important to note that unless you have creditable drug coverage and will have a Special Enrollment Period, you should enroll in Part D when you first get Medicare to avoid gaps in coverage.

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    Types of Medicare Plans

    Medicare Supplements

    Medicare Supplement Plans

    Medicare Supplements can help pay for the things traditional Medicare doesn’t. Medicare Supplemental Plans are standardized and are identified in most states by letters.
    Stand Alone Prescription Drug (Part D)

    Medicare Advantage Plans

    Medicare Advantage plans (Part C) are run by private insurance companies and combine Medicare Parts A (hospital coverage) and B (doctor coverage) and may also include Part D.

    Medicare Advantage Plans (Part C)

    Prescription Drug Plans

    Medicare Part D plans may help you save on the cost of your prescriptions and by having predictable drug costs this will help you manage your health care budget.

    Find the right plan for your needs

    You don’t have to be a licensed agent to find coverage that fits your needs. Just answer a few questions, and we’ll help simplify the process and give you options to choose from or you can explore coverage options on your own.