getting to know
Medicare Part D is a prescription drug coverage for both generic and name brand drugs. They are stand-alone plans that add prescription drug coverage to your Medicare Parts A and B coverage. Their goal: help control expensive – and rising – prescription drug prices. Plans come in variety of options with different prices and coverage.
Speak to one of our licensed insurance agents and find out if a Medicare Part D plan is right for you. We’ll help you save time and money.
Everyone eligible for Medicare Part A is automatically eligible for Medicare Part D.
However, you must enroll in Part D three months in advance or three months after you become eligible – otherwise you will have to wait for open enrollment. Open enrollment usually takes place in the last few months of the year.
It’s important to have prescription drug coverage, even if you don’t take a lot of prescription medication because, as people get older, they tend to have an increased necessity for prescription drugs.
Keep in mind: prescription drugs prices are rising, and you should consider a Medicare Part A plan to offset the costs.
Enrollment starts between October 15th and December 7th – anyone can join, switch or drop a Medicare Part D plan. The change will take effect on January 1st so long as the carrier receives your request by December 7th.
When you are first eligible for Medicare – you can join Part D within the seven month period that begins three months before the month you turn 65 which includes the month you actually turn 65 and ends 3 months after the month you turn 65.
If receiving Medicare due to a disability, you can join during the seven month period that begins three months before the 25th month of disability which includes your 25th month of disability and ends 3 months after your 25th month of disability. You will be able to join 3 months before and after the month you turn 65.
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