KFF Explains Medicare Part D: How to Choose the Right Drug Plan in Your Area

There are many Medicare Part D plan choices where I live. How can I figure out which one fits me best?

Prescription drug coverage is available in two main ways. If you have original Medicare, you can enroll in a separate stand-alone drug plan. Another option is a Medicare Advantage plan that includes all of your Medicare benefits, along with prescription drug coverage. No matter which route you take, the premiums, deductibles, copayments, and covered drugs can differ from plan to plan.

To find the coverage that best matches your needs, compare the monthly premium, deductible, and other out-of-pocket costs, check whether the medications you use are covered and what each plan charges for them, and make sure your pharmacy is included in the plan’s network. You can also get help reviewing options and signing up through the Medicare coverage comparison website or by calling 1-800-MEDICARE (1-800-633-4227). Another resource is your state’s State Health Insurance Assistance Program, or SHIP, which provides local, one-on-one counseling and support for Medicare beneficiaries and their families. To find the SHIP phone number for your state, call 877-839-2675.

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Although every effort has been made to keep these FAQs accurate and current, people should contact Medicare, Social Security, their State Health Insurance Assistance Program, or companies that offer Medicare Advantage, Medicare Part D, and Medigap policies directly for advice on their own situation.

Source: KFF