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Medicare Part D is voluntary prescription drug coverage. Put simply, how you enroll in Medicare Part D depends on how you wish to receive your Medicare health benefits.
Before we get to how to enroll in Medicare Part D, here are a couple different ways you can get this coverage.
Usually, if you have a Medicare Advantage plan, you can’t enroll in a stand-alone Medicare Part D Prescription Drug Plan. Most Medicare Advantage plans already include this coverage. However, you might be able to enroll in a stand-alone Medicare Part D Prescription Drug Plan if you are enrolled in Medicare Medical Savings Account (MSA), some Medicare Cost Plans, or some Private Fee-for-Service (PFFS) plans that don’t have prescription drug coverage.
Before you enroll in Medicare Part D coverage, here’s a little more background about the types of Medicare Prescription Drug Plans.
Medicare-approved private insurance companies offer Part D prescription drug coverage. These companies must follow federal regulations regarding prescription drug coverage. They must be licensed in the states where they offer Medicare plans with prescription drug benefits and have defined, Medicare-approved service areas.
While stand-alone Medicare Part D Prescription Drug Plans and Medicare Advantage Prescription Drug Plans must provide coverage for certain classes of prescription drugs, they are not required to cover every medication in every class.
Each plan creates its own formulary, or list of covered medications. The formularies may vary from plan to plan and may change at any time. You will receive notice from your plan when necessary. Also, premiums and cost-sharing features such as deductibles, coinsurance, and copayments vary among plans.
In most cases, you may enroll in a plan that provides Medicare Part D coverage only during certain enrollment periods. These include:
Note: If you live in a nursing home, you generally have the option of changing your Part D coverage. If you receive Extra Help, you may be able to enroll in a Medicare Prescription Drug Plan. Call Medicare for details (see the number at the bottom of this page).
Once you’ve decided what type of Medicare Part D coverage you want, it’s time to compare plans and choose one that may fit your health needs and your budget.
Check to see if medications you take are on the plan’s formulary. Compare costs, including any applicable deductibles, copayments, and coinsurance amounts as well as monthly premiums. You can find and compare plans offering Medicare Part D coverage entering your ZIP code and clicking on the Get Started button on this page.
As for how to enroll in Medicare Part D coverage – after you click Get Started, you can apply for coverage as well.
eHealth's Medicare website is operated by eHealthInsurance Services, Inc., a licensed health insurance agency doing business as eHealth. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. eHealth and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We offer plans from a number of insurance companies.