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Medicare Part D Plans in Kansas
Medicare Part D coverage in Kansas
Like the rest of the country, Medicare Part D coverage in Kansas provides prescription drug coverage for beneficiaries enrolled in Original Medicare (Part A and Part B) or a Medicare Advantage plan.
If you have Original Medicare, Part A and Part B, prescription drug coverage is limited. You're covered for prescription medications you receive as part of a covered inpatient setting, as well as certain outpatient medications that you can't give yourself (for example, prescription drugs given by infusion). However, you'll need Medicare Part D for coverage of most other medications.
Original Medicare beneficiaries can get this coverage through a stand-alone Medicare Prescription Drug Plan in Kansas. A Medicare Prescription Drug Plan works alongside Original Medicare, Part A and Part B, to provide stand-alone coverage for your medications. These plans are offered by private insurance companies in the state that are contracted by Medicare.
If you have Medicare Part C, you can get prescription drug coverage through a Medicare Advantage plan that covers medications. Medicare Advantage plans must cover at least the same benefits as Original Medicare, Part A and Part B. However, many plans also include benefits beyond Part A and Part B, such as routine vision, dental, hearing, or prescription drugs. Also known as Medicare Advantage Prescription Drug plans, these plans include your Part A, Part B, and Part D coverage under a single plan. Not every Medicare Advantage plan includes prescription drug coverage, so double-check with the specific plan you're considering.
Also, keep in mind that if you have Medicare Part C and want prescription drug coverage, you shouldn't enroll in a stand-alone Medicare Prescription Drug Plan. In fact, if you are already enrolled in a Medicare Advantage Prescription Drug plan and also enroll in a Medicare Prescription Drug Plan, you'll be automatically disenrolled from your Medicare Advantage plan and reverted back to Original Medicare.
Enrolling in Medicare Part D coverage in Kansas
Like the rest of the country, Kansas beneficiaries are first eligible for Medicare Part D once they have Medicare Part A and/or Part B and live in the service area of a Medicare Prescription Drug Plan or Medicare Advantage Prescription Drug plan.
You can only enroll in or make changes to this coverage during certain periods:
Initial Enrollment Period for Part D: If you qualify for Medicare because of age, your Initial Enrollment Period for Part D usually occurs at the same time as your seven-month Initial Enrollment Period for Part B. This starts three months before you turn 65, includes your birthday month, and ends three months later. If you get Medicare because of disability, your IEP for Part D starts three months before your 25th month of disability benefits from Social Security or the Railroad Retirement Board and lasts seven months.
Annual Election Period: From October 15 to December 7 of each year, you can enroll in a Medicare Prescription Drug Plan or Medicare Advantage plan for the first time, switch Medicare plans, or disenroll from a plan.
Medicare Advantage Disenrollment Period: From January 1 to February 14, you can disenroll from a Medicare Advantage plan and return to Original Medicare. Regardless of whether your Medicare Advantage plan covered medications, you can also use this period to enroll in a stand-alone Medicare Prescription Drug Plan.
Special Election Period: Outside of the above periods, you can only make changes to your Medicare Part D coverage in certain qualifying situations. This may include, but isn't limited to, if you move out of your Medicare plan's service area, live in a nursing home or institution, or lose your Medicaid coverage.
Choosing Medicare Part D coverage in Kansas
As a Kansas beneficiary, you may be wondering about the Medicare Part D coverage options you have in your state. When researching Medicare plan options, it's important to check that the Medicare Prescription Drug Plan or Medicare Advantage Prescription Drug plan you're considering covers all of the prescription drugs you take. To find out, you can check the Medicare plan's formulary, which is a list of all the medications covered under the plan. Formularies are tiered, with different copayments for prescription drugs, depending on which tier the medications fall under. Keep in mind that formularies may change at any time; the Medicare plan will notify you if necessary. Also, remember that because costs can vary so drastically by plan, it's a good idea to shop around to find a Medicare plan that covers your medications at the lowest cost sharing.
Even if you don't currently take prescription drugs, it's a good idea to sign up for Medicare Part D as soon as you're eligible. If you don't get Medicare Part D when you're first eligible and go without creditable prescription drug coverage (insurance that is as good as Part D) for 63 days in a row or more, you could pay a late-enrollment penalty if you enroll in Part D later.
Need help finding Medicare plan options that may cover your medications and fit your budget? Contact eHealth today to speak with a licensed insurance agent and get personalized assistance with your Medicare prescription drug needs.