Part D (RX, Prescriptions or PDP)

Part D is offered to everyone with Medicare. To get Part D, you must be enrolled in Medicare and join a plan run by a private Insurance Company or another private company approved by Medicare.

Each plan can vary in cost and drugs covered. If you want Part D coverage, you need to choose a plan that works with your health coverage.

Part D prescription drug coverage should be considered even if you don't take a lot of prescription drugs now.

If you decide not to join a Part D plan when you are first eligible, and you don't have other Credible Prescription Drug Coverage, you will likely pay a Late Enrollment Penalty (higher premiums) if you choose to join later.

Part D plans have what is called the "Donut Hole", if you take alot of high priced prescriptions you may fall into the "Donut Hole".

Part D plans may be joined by completing a paper application, calling the plan, or enrolling online. Your Initial Enrollment Period ( during the 7 month window period that starts 3 months before the month you turn age 65, includes the month you turn age 65, and ends 3 months after the month you turn age 65. Annual Enrollment Period ( October 15th - December 7th).

Contact the plan to find out how you can join. Visit www.medicare.gov, or call 1-800-MEDICARE (1-800-633-4227) for a list of the Part D plans in your area.

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