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Part D – Prescription Drug Plan and Enrollment

It is very important to be informed about adding prescription drug coverage to your Medicare Supplement.  Your Part D or Prescription Drug Plans (PDPs) are available through private insurance companies under contract with Medicare.  If you do not have prescription drug coverage from your current or former employer, or through Part C (Medicare Advantage Plan) coverage, you should consider enrolling in a PDP as soon as you are eligible. 

  • Part D plans are offered to everyone on Medicare Part A and/or B.
  • Even if you are not taking many prescriptions, you should consider enrolling in a PDP to avoid a late enrollment penalty.
  • If you have drug coverage elsewhere–through a group plan, the VA, or other credible coverage, you may forego purchasing a PDP.  If this credible coverage ends, you may enroll in a PDP with no late enrollment penalty. You may enroll in a PDP during the following periods: Initial EnrollmentAnnual Enrollment, Special Enrollment Periods.
  • Determine the best PDP for you according to the medications you take and the pharmacy you use by visiting or contacting one of our agents for assistance.
  • Your monthly premium varies based on the PDP you choose. If your income is above a certain limit, you will pay an extra amount in addition to your PDP premium.  The extra amount is usually deducted from your Social Security benefit and paid to Medicare, not to your PDP.

You may change your PDP plan each year during the Annual Enrollment Period (Oct. 15 – Dec. 7 for a January 1 start of the next year).

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