Once you qualify for Medicare you will want to add on a Prescription Drug Plan (PDP) to ensure that you have the basics covered. Many people don’t realize that Original Medicare does not cover prescription drugs -which can be a rude awakening the first time a senior goes into a pharmacy. We’ve broken down the rules, how to get it, and what else you need, so that you won’t be surprised.

How to Get Medicare Part D

There are two ways to make this happen:

    1) Once you have Original Medicare you can sign up for a PDP.
    1. 2) Opt out of Original Medicare and get

Medicare Advantage with Rx

    .

Click here if you’re ready to sign up for a Prescription Plan.

What is Medicare Advantage?
It’s basically just an alternative to Original Medicare. It offers a few more things like Part D, one monthly premium, and is generally equal medical and hospital coverage to Medicare. It has a smaller, local network, but can still leaves gaps in coverage. If you have a little extra money you might want to get a Medicare, Medigap, and Rx combo to have the best coverage.

Part D Rules

Medicare drug plans may require the following rules:

  • Certain prescriptions require prior authorization
  • There are limits on how much medication you are able to have filled at one time.
  • If there is a lower tiered drug similar to the drug prescribed you must use that one, and if it doesn’t work as well you can move up.

Three Things You Need to Bring to the Pharmacy

Once you have decided on your plan, it’s been mailed out to you, what do you do now? It’s simple. Bring these 3 things:

  • Your red, white, and blue Medicare card
  • A photo ID (like a state driver’s license or passport)
  • Your plan membership card

Next Steps
If you have any further questions about PDPs call the number above or contact Senior65.com.