Medicare Part D
by Raquel Hunter
Medicare Part D and other insurance coverage
- If you have prescription drug coverage through your or your spouse's or partner's employer or union, check with your benefits administrator before enrolling in any Medicare Plans. Enrolling in a Medicare Plan may impact your existing coverage.
- If you have prescription benefits through the VA, Tricare or the Federal Employee Health Benefits Program you may not need Part D. However, if you enroll in Medicare Part D, it could offset your costs and co-payments.
Medicare Part D prescription plans
Medicare Part D prescription plans are regional. It is very important to compare Medicare drug plans offered in your area before enrolling.
When comparing Medicare drug plans:
- check each plan's list of covered drugs
- check each plan's rules for filling prescriptions.
- find out if your local pharmacy accepts Medicare Part D
- find out if you can order your Medicare Part D medications through the mail
- ask questions about rules of prior authorization
- ask questions about limited quantities of refills
- consider the amount of the monthly premium. Premiums vary by plan.
- consider the amount of the deductible. Deductibles vary by plans. Some plans may not have any deductible.
- consider the amount of the copay. The copay is the amount you pay for your prescriptions after you have paid the deductible.
You may want to consider Medicare Part D if:
- If you have a limited income and assets
- You qualify for Medicare's extra help with prescription drug plan costs.
Use MamaHealth's Part D Plan Selector to find which plan might be right for you.