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Know more about Medicare Part D enrollment

An older woman reading and learning about Medicare Part D enrollment

What Medicare covers and doesn't cover might surprise you. For example, Medicare Part A and Part B, also known as Original Medicare, do not cover prescription drugs (outside of medications prescribed to you during a hospital visit). For drug coverage you need to choose a Medicare Part D plan.

More details on Medicare Part D

Medicare Part D is an optional additional insurance for prescription drugs. Whether you're managing a health condition such as diabetes or high blood pressure with regular prescriptions or you just need the occasional medication, Part D insurance can often save you money. Private insurers such as Anthem offer Medicare Part D, and they tend to have many choices in providers and plans.

Know when to enroll in Medicare Part D

Your first enrollment period for Medicare Part D is called the Initial Enrollment Period (IEP). That's a seven-month window that includes:

  • Tres meses antes de cumplir 65 años
  • El mes en que cumples 65 años
  • Tres meses después de cumplir 65 años

During this time, you can apply for Part D coverage along with Medicare Part A and Part B. To avoid penalties, it's best to enroll in Part D as soon as you're eligible even if you are not taking prescription medications.

You still can add Part D coverage after your IEP. You can make changes to your plan, including adding coverage, during the Annual Enrollment Period, which is October 15 to December 7.

Compara los planes de Medicare Parte D

You have many options for prescription drug coverage, so there are a few things to consider when you're comparing Medicare Part D plans:

  • Look for plans with generic prescription drug tiers, as generics often cost less than brand-name prescription medicines.
  • Know how much you will pay in copays and coinsurance; basically, what you pay when you pick up your medicine at the pharmacy.
  • Know and compare your monthly premiums and annual deductibles. Don't forget to include Medicare Part B premiums and deductibles so you know your complete health care expenses.
  • Make sure the plan you select covers the medications you use. All Part D plan providers include a formulary or list of medications covered.
  • See if your Part D plan includes a pharmacy network. You may pay less by picking up your medications from in-network pharmacies.
  • Some Part D plans have restrictions on coverage so it's good to check when signing up.

Get prescription drug coverage through a Medicare Advantage plan

Another way to receive prescription drug coverage is through a Medicare Advantage plan, also known as Medicare Part C. These comprehensive plans are available through Medicare-approved private insurers like Anthem. Many of the plans include prescription drug coverage, plus lots of other benefits.

These one-stop-shop plans may include dental care, vision care, hearing care and wellness and fitness memberships along with prescription drug coverage. If you have a Medicare Advantage plan that includes prescription drugs (which most do), you don't need a separate Part D plan.

If you're just turning 65, you can apply for a Medicare Advantage plan when you sign up for Medicare during the IEP. If you are currently enrolled in Medicare and want to opt in to a Medicare Advantage plan, you can do that during the Annual Enrollment Period. You also have a chance to change your Medicare Advantage plan from January 1 to March 31 during the Medicare Advantage Open Enrollment Period.

How to enroll in a Medicare Part D plan

If you are applying for Medicare  for the first time, you can add a Part D plan through a private insurer after you enroll in Original Medicare.

Explore all your options for Medicare prescription drug plans. Compare costs and coverage.

Busca hoy planes de Medicare (en inglés)

Y0114_20_113221_U   Aceptado por los CMS el 9/10/19

Anthem Blue Cross and Blue Shield es el nombre comercial de: en Colorado, Rocky Mountain Hospital and Medical Service, Inc. Los productos del plan HMO están suscritos por HMO Colorado, Inc. En Connecticut: Anthem Health Plans, Inc. En Georgia: Blue Cross Blue Shield Healthcare Plan of Georgia, Inc. En Indiana: Anthem Insurance Companies, Inc. En Kentucky: Anthem Health Plans of Kentucky, Inc. En Maine: Anthem Health Plans of Maine, Inc. En Misuri (a excepción de 30 condados del área de Kansas City​​​​​​​): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC) y HMO Missouri, Inc. RIT y ciertas afiliadas administran los beneficios que no son del plan HMO suscritos por HALIC y los beneficios del plan HMO suscritos por HMO Missouri, Inc. RIT; y ciertas afiliadas solo prestan servicios administrativos a planes autofinanciados y no suscriben beneficios. En Nevada: Rocky Mountain Hospital y Medical Service, Inc. Los productos del plan HMO están suscritos por HMO Colorado, Inc., cuyo nombre comercial es HMO Nevada. En New Hampshire: Anthem Health Plans of New Hampshire, Inc. Los planes HMO están administrados por Anthem Health Plans of New Hampshire, Inc. y suscritos por Matthew Thornton Health Plan, Inc. En Ohio: Community Insurance Company. En Virginia: Anthem Health Plans of Virginia, Inc. opera comercialmente con el nombre Anthem Blue Cross and Blue Shield en Virginia, y su área de servicio abarca todo Virginia con excepción de Fairfax, Vienna y el área este de State Route 123. En Wisconsin: Blue Cross Blue Shield of Wisconsin (“BCBSWI”), que suscribe o administra las pólizas del plan PPO y las pólizas de indemnización, y suscribe los beneficios fuera de la red de las pólizas POS ofrecidas por Compcare o WCIC; Compcare Health Services Insurance Corporation (Compcare) suscribe o administra las pólizas HMO y Wisconsin Collaborative Insurance Company (WCIC) suscribe o administra las pólizas HMO o POS de Well Priority. Licenciatarios independientes de Blue Cross and Blue Shield Association. Anthem es una marca comercial registrada de Anthem Insurance Companies, Inc. Los nombres y los símbolos de Blue Cross and Blue Shield son marcas comerciales registradas de Blue Cross and Blue Shield Association. La utilización de los sitios web de Anthem constituye su aceptación de nuestros términos de uso.