Medicare Part D in Washington DC
Find affordable Medicare plans in Washington DC
If you live in Washington DC, you may run into tourists trying to catch a glimpse of the White House. If you live in Washington DC, you may be one of more than 92,000 people enrolled in Medicare, according to the Centers for Medicare and Medicaid Services (CMS). Of these, about 60 percent (55,776) are enrolled in Medicare Part D, prescription drug coverage. Medicare beneficiaries in Washington DC may want Medicare Part D coverage because Original Medicare (Part A and Part B) generally doesn’t cover the prescription drugs you take at home. If you take three, four, or five prescription medications that retail for $100 or more each, you could face hundreds of dollars of prescription drug costs a month without prescription drug coverage.
How can I get Medicare Part D in Washington DC?
You can get Medicare Part D in Washington DC in two ways. The first way is through a stand-alone Part D Prescription Drug Plan. A stand-alone Part D plans goes alongside Original Medicare. According to CMS, there are 21 stand-alone Medicare Part D Prescription Drug Plans available in Washington DC in 2018.
The second way to get Medicare Part D in Washington DC is through a Medicare Advantage plan. Medicare Advantage plans combine your Part A (hospital) Part B (medical) and Part D (prescription drug) benefits all together in one convenient plan. Medicare Advantage plans are offered by private companies contracted with Medicare. They must cover everything Original Medicare covers with the exception of hospice care, which is still covered by Part A. According to CMS, 16 Medicare Advantage plans are available in the District of Columbia in 2018, and 100% of Medicare beneficiaries in Washington DC had access to a Medicare Advantage plan.
How much does Medicare Part D in Washington DC cost?
Medicare Part D costs in Washington DC vary from plan to plan, but some costs are regulated by Medicare.
The first cost you may pay is a premium. A premium is the amount you pay monthly to have the plan. According to CMS, the lowest premium for a stand-alone Part D prescription drug plan in Washington DC is $12.60 in 2018.
Another cost you may pay is a deductible. A deductible is the amount you pay before the plan begins to pay. Medicare regulates that a Part D deductible can be no more than $405 in 2018.
A third cost is a copayment or coinsurance, which you pay when you fill your prescription. A copayment is a dollar amount, e.g. $15, while a copayment is a percentage, e.g. 15%.
When can I sign up for Medicare Part D in Washington DC?
There are certain time periods when you can sign up for Medicare Part D in Washington DC, whether you decide on a stand-alone Medicare Part D Prescription Drug Plan or a Medicare Advantage Prescription Drug plan.
When you’re first eligible for Medicare, you can sign up for a Medicare Prescription Drug Plan at the same time that you enroll in Medicare. Another time you can sign up for coverage under Medicare Part D in Washington DC is during the Annual Enrollment Period (October 15 – December 7). You can also switch plans, drop plans, and more during that time.
What else should I know about Medicare Part D in Washington DC?
If you are already taking prescription drugs, you can check that your specific medications are covered by looking at the plan’s formulary. The formulary is the list of covered prescription drugs. The formulary may change at any time, but the plan will give you notice when necessary.
To start searching for Medicare prescription drug coverage in Washington DC now, enter your zip code on this page.
This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply.
Benefits, premiums and/or copayments/co-insurance may change on January 1 of each year.