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Find help understanding your Medicare Part D options. Learn more at myHealthPolicy.com

What is Medicare Prescription drug coverage?

Medicare Part D is voluntary prescription drug coverage that you can choose to add to your Original Medicare. Under Original Medicare (with or without a Medicare Supplement/Medigap insurance policy), you will need to seek out a Part D standalone plan.

While plans may vary significantly, all plans must adhere to federal guidelines and be approved yearly. For the most part, Part D plans either discount your drug cost by a set percentage or require a copay that may vary based on the drug being purchased. Your selected plan will require you to use pharmacies in their network.

How and when to enroll?

Medicare Part D has specific enrollment periods

65^th Birthday

Initial Enrollment Period (IEP)

The 7-month period that begins 3 months before you turn age 65, includes your birthday month, and ends 3 months after the month you turn age 65.

For those under age 65 with a qualifying disability and receiving Social Security or Railroad Retirement Board disability benefit, you will have a 7-month enrollment period. This period begins 3 months before your 25th month of receiving Social Security or Railroad Retirement Board disability benefit includes your 25th month, and ends 3 months after.
Oct 15 - Dec 7

Annual Election/Enrollment Period (AEP)

Begins October 15 and ends December 7 with coverage taking effect January 1st of the coming year.
Other Enrollment Period:

Special Enrollment Period (SEP)

Allows you to switch or drop a Part D plan under special circumstances. Here are some examples:
- You returned from living outside the United States after a long-term permanent residence outside the U.S.
- You are leaving, losing or joining an employer or union.
- Your plan's contract with Medicare is terminating.
- You recently involuntarily lost your creditable prescription drug plan.
- You live in, are moving into, or recently moved out of a nursing home or long-term care facility.
Go to Medicare.gov for more information.