Medicare

Two types of plans offer Medicare prescription drug coverage:

Medicare Prescription Drug Plans.

These plans (sometimes called "PDPs") add drug

coverage to

Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-

Service (PFFS) Plans,

and Medicare Medical Savings Account (MSA) Plans.

Medicare Advantage Plans

(like an HMO or PPO) are other Medicare health plans that offer

Medicare

prescription drug coverage. You get all of your Part A and Part B coverage, and

prescription drug

coverage (Part D), through these plans. Medicare Advantage Plans with

prescription drug coverage are

sometimes called "MA-PDs."

Who Can Get Medicare Drug Coverage?
To join a Medicare Prescription Drug Plan, you must have Medicare Part A or Part B. To join a Medicare
Advantage Plan, you must have Part A and Part B. You must also live in the service area of the Medicare drug
plan you want to join.

If you have employer or union coverage, call your benefits administrator before you make any changes, to
before you sign up for any other coverage. If you drop your employer or union coverage, you may not be able
to get it back. You also may not be able to drop your employer or union drug coverage without also dropping
your employer or union health (doctor and hospital) coverage. If you drop coverage for yourself, you may also
have to drop coverage for your spouse and dependants.

How Do You Join?
Contact your health insurance agent at 888-207-8368

Compare Drug and Health Plans & Medigap Policies for a list of Medicare drug plans in your area:

Medicare Prescription Drug Coverage (Part D)

Medicare offers prescription drug coverage to everyone with
Medicare. Even if you don’t take a lot of prescriptions now, you
should still consider joining a Medicare drug plan. To get Medicare
prescription drug coverage, you must join a plan run by an insurance
company or other private compave approved by Medicare. Each plan
can vary in cost and drugs covered. If you decide not to join a
Medicare drug plan when you’re first eligible, and you don’t have
other credible prescription drug coverage, you will likely pay a late
enrollment penalty.