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Learn about Medicare

Medicare Part D: Medicare Prescription Drug Plan

Medicare Part D is prescription drug coverage. Part D coverage is available on its own or as part of a Medicare Advantage plan (Part C) with prescription drug coverage. Part D plans are offered by private insurance companies approved by Medicare.

When should you sign up?

You can avoid late enrollment penalties from the government by joining a Part D plan when you first become eligible.

Is there a monthly premium?

Yes. You pay your Part D premium in addition to your Part B and Part A premiums, if you have them.

The two options for prescription drug coverage are:

  • Prescription drug coverage as part of a Medicare Advantage plan. You get Part A, Part B and Part D coverage in one plan.
  • Stand-alone Medicare prescription drug plan (PDP). These plans only offer prescription drug coverage. You can buy a PDP plan in addition to your existing Original Medicare (Part A and/or Part B) coverage, Medicare Supplement (Medigap) plan, Private Fee-for-Service (PFFS) plan without prescription drug coverage, some Medicare Cost Plans, or Medicare Medical Savings Account (MSA) Plans.

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