There are two ways to get Medicare Part D also known as drug coverage.
- Medicare prescription drug plans (PDP's) add the drug coverage to original medicare, some medicare cost plans, some Medicare Private Fee-For-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans
- Medicare advantage (Part C) (like HMO or PPO) or other medicare health plan that offers Medicare prescription drug coverage. You get all of your Medicare Part A and Part B coverage and prescription drug coverage through these plans. Medicare Advantage Plans with prescription drug coverage are sometimes called "MA-PD's" you must have Part A & Part B to join a Medicare Advantage Plan.
Consider all your drug coverage choices before signing up with anyone, or any plan
Before making a decision learn how part D works with other coverage, if you have drug coverage through an existing plan, Part D may change the drug coverage of that plan. knowing your drugs, and costs is crucial, as each plan and carrier have formularies they use and these formularies determine your cost for drugs.
You cant be on both a standalone Part D and a Part C. But you can be on a supplement and a Part D