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Medicare Part D

What is Medicare Part D?

Medicare's part D is Medicare's prescription drug coverage.

Medicare Part D is an optional plan in which the insured person pays a premium each month and Medicare pays for prescriptions.

Medicare's drug plans are subsidized by the US federal government and offered through private insurers.

Why was Medicare Part D created?

Medicare Part D was created in January 2006 as a supplemental plan to protect seniors from increasing and unexpected drug costs.

Who is eligible for Medicare Part D?

Medicare's prescription drug coverage, Medicare Part D, is available to anyone who's eligible for Medicare Part A and/or Part B. However, beneficiaries who live in non-U.S. territories or who are in prison are not eligible for Medicare Part D.

When to enroll in Medicare Part D

The initial enrollment period for Medicare Part D is the period three months before and three months after your 65th birthday. If you decide not to enroll in Part D when you're eligible, you may be charged a penalty for enrolling later.

If you are disabled, you are eligible to enroll in Medicare Part D three months before and three months after your 25th month of disability. This is called the Initial Enrollment Period.

If you belong to a Medicare HMO or are on Medicare and Medicaid you may be automatically enrolled in a prescription drug plan.

What to do if you currently have prescription drug benefits through another insurer.

Types of Medicare Part D plans

If you currently have prescription drug benefits through another insurer, contact your insurer to see if you will benefit by enrolling in Medicare Part D.

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