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Medicare beneficiaries who want prescription drug coverage have the option of enrolling in a Medicare Prescription Drug Plan in Arizona or a Medicare Advantage plan that includes prescription benefits. These plans are offered by private insurance companies in the state that are contracted by Medicare. A stand-alone Medicare Prescription Drug Plan (PDP) works alongside Original Medicare coverage, while beneficiaries who enroll in a Medicare Advantage Prescription Drug (MAPD) plan will receive all of their Medicare coverage under a single plan.
Eligibility for Medicare Part D in Arizona works the same way as the rest of the country: You must be currently enrolled in Medicare Part A and/or Part B and live in the service area of the Medicare Prescription Drug Plan or Medicare Advantage Prescription Drug plan that you’re considering.
In general, if you want prescription coverage and you have Medicare Part C, you can get this coverage through a Medicare Advantage plan. In fact, if you’re enrolled in a Medicare Advantage Prescription Drug plan and separately enroll in a stand-alone Medicare Prescription Drug Plan, you’ll be automatically disenrolled from the Medicare Advantage plan and returned to Original Medicare.
A beneficiary may choose to enroll in a Medicare plan that covers prescription drugs during their Initial Enrollment Period for Part D. This is typically the same period as the Initial Enrollment Period for Part B, starting three months prior to when the beneficiary becomes eligible for Medicare, including the month of eligibility, and ending three months following.
Those who qualify for Medicare due to disability will have another Initial Enrollment Period for Part D when they turn 65.
Beneficiaries can also enroll in or make changes to their Medicare Part D coverage during the Annual Election Period, which runs from October 15 to December 7 of each year. If you use the Medicare Advantage Disenrollment Period (January 1 to March 31) to disenroll from your Medicare Advantage plan and return to Original Medicare, you can enroll in a Medicare Prescription Drug Plan during this period as well.
Special Election Periods (SEPs) are another opportunity to make Medicare Part D coverage changes for eligible beneficiaries with certain qualifying circumstances, such as moving out of a Medicare plan’s service area or losing Medicaid eligibility.
Each company offering a Medicare Prescription Drug Plan or Medicare Advantage Prescription Drug plan in Arizona can decide which medications to cover and the costs. This makes it very important for beneficiaries to shop around to find the most affordable coverage for their needs.
If you are currently taking prescription medications, make sure to always confirm that the Medicare Prescription Drug Plan or Medicare Advantage plan you’re considering covers your prescriptions. You can check the plan’s formulary, which is a list of drugs covered by the plan. Remember, formularies may change from year to year. The plan will notify you in the event of a change. Taking the time to shop around and compare costs will ensure that you find a Medicare plan that fits within your budget, while also meeting your medical coverage needs. If you have questions or would like to discuss your Medicare plan options, contact eHealth today to speak to a licensed insurance agent.
eHealth's Medicare website is operated by eHealthInsurance Services, Inc., a licensed health insurance agency doing business as eHealth. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. eHealth and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We offer plans from a number of insurance companies.