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– What is Medicare Part D?
Medicare Part D is optional, prescription drug coverage. It helps pay for out-patient prescribed medications. Part D is sold by private companies that are approved by Medicare.
– Am I eligible for Part D Coverage?
If you have Medicare Part A and Medicare Part B, you are eligible to get prescription drug coverage through an individual policy or as part of a Medicare Advantage plan.
– Do I need prescription drug coverage?
If you have original Medicare (Part A and Part B) or a Medicare Advantage plan that does not include drug coverage, you should get a Part D prescription drug coverage policy when you are first eligible – even if you don't take a lot of medications.
Unfortunately, our health is not guaranteed. As we age, it's likely that we will have an increased need for prescription medications. Prescriptions are very expensive – expensive enough that prescription drug coverage probably makes sense.
Again, don't wait. If you wait to get coverage, you will have to pay a penalty, which results in a permanent increase in your monthly premium.