Prescription Drug Plan

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This coverage includes:

Part A premium: Usually $0 cost / month

Standard Part B premium: $170.10* / month

Medicare Advantage Plan: $0.00-$depends on your zip code

Part A (Hospital Insurance)

Helps cover:

  • Inpatient care in hospitals
    • includes your semi-private room, meals and nursing
    • care in special units (like ICU)
    • prescription drugs and medical supplies in hospital
    •  lab tests, x-rays and medical equipment in hospital
    • operating room and recovery room services
    • skilled nursing services
    • some blood transfusions
  • Part-time skilled care for homebound
  • Hospice care, including meds to manage symptoms
  • Rehabilitation services after qualified inpatient stay

Drugs

Most plans include Drug coverage.

Part B (Medical Insurance)

Helps cover:

  • Services from doctors and other health care providers
  • An annual wellness visit
  • Many preventive services, like flu shots
  • Clinical laboratory services, like blood and urine tests
  • X-rays, MRIs, CT scans, EKGs, and other diagnostic tests
  • Some health programs, like smoking cessation and obesity
  • Physical, occupational and speech-language therapy
  • Diabetes screenings, education and certain supplies
  • Mental health care
  • Durable medical equipment for use at home, like wheelchairs, walkers, hospital beds, and other equip
  • Ambulatory surgery centers, ambulance and emergency room services

Vision, Hearing, Dental and More

Most plans include extra benefits.

Medicare drug coverage (Part D) helps pay for prescription drugs you need. Even if you don’t take prescription drugs now, you should consider getting Medicare drug coverage. Medicare drug coverage is optional and is offered to everyone with Medicare. If you decide not to get it when you’re first eligible, and you don’t have other creditable prescription drug coverage (like drug coverage from an employer or union) or get Extra Help, you’ll likely pay a late enrollment penalty if you join the plan later. Generally, you’ll pay this penalty for as long as you have Medicare drug coverage.

 

To get Medicare drug coverage, you must join a Medicare-approved plan that offers drug coverage. Each plan can vary in cost and specific drugs covered.

 

There are 2 ways to get Medicare drug coverage (Part D):

  1.  Medicare drug plans.

    These plans add Medicare drug coverage (Part D) to Original Medicare, some Medicare Cost Plans, some Private Fee-for-Service plans, and Medical Savings Account plans. You must have Part A and / or Part B to join in a separate Medicare drug plan.
  2. Medicare Advantage Plans or other Medicare health plans with drug coverage. 

    You get your Part A, Part B, and Medicare drug coverage (Part D) through these plans. Remember, you must have Part A and Part B to join a Medicare Advantage Plan, and not all of these plans offer drug coverage. 

In either case, you must live in the service area of the plan you want to join and be lawfully present in the U.S.

THINGS TO KNOW:
Prescription Drug Plan (PDP)
  • If you want drug coverage, you can add a separate Drug plan (Part D).
  •  If you don’t join a Drug plan (either through a stand-alone Drug Plan or through MedicareAdvantage) when you first get Medicare, you may pay a penalty for a long as you have Medicare drug coverage.

* Rate for 2022. Most people pay the Standard B premium amount. If your modified AGI (Adjusted Gross Income) as reported on your IRS tax return from 2 years ago is above a certain amount, we will need to send you the chart outlining the extra charge added to your premium called IRMAA.

 
source: Mediacare.gov

Our Team is here to walk you through the Medicare Maze. Learn about when you can join a plan, switch plans and what Medicare covers.

There is no commitment and our services are 100% free.

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