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Medicare beneficiaries in Florida who need prescription drug coverage may be interested in learning about Medicare Part D Prescription Drug Plans. Original Medicare (Part A and Part B) includes limited prescription drug coverage for certain situations (such as hospitalization), but generally doesn’t cover medications you take at home.
You have two main options for Medicare prescription drug coverage in Florida (as in other states).
Both Medicare plan options are available from private insurance companies that contract with Medicare. Monthly premiums and other costs, such as copayments, vary among insurance companies.
Each Medicare Prescription Drug Plan has its own formulary, a list of covered prescription drugs. When you’re shopping for a plan, you might want to check the formularies of various plans to see which plans cover your medications. Be aware that formularies can change, but you will receive notice from your plan when necessary.
Medicare Advantage Prescription Drug plans also have formularies. You continue paying your Medicare Part B monthly premium no matter which of these Medicare plan options you choose.
You’re not required to have Medicare prescription drug coverage, but if you don’t sign up for it as soon as you’re eligible for Medicare, you might pay a Part D late-enrollment penalty if you sign up later on.
Some Medicare Part D Prescription Drug Plans in Florida (as in all states) have a coverage gap, also known as the Medicare “donut hole.” Whether you reach this coverage gap and what your costs will be depend on how much you spend on your prescription drugs, and which Medicare Part D Prescription Drug Plan you have. During the donut hole, you’re generally responsible for higher out-of-pocket costs until your spending reaches the maximum out-of-pocket limit. Once you reach the out-of-pocket limit, you make only a small copayment or coinsurance for your medications for the remainder of the calendar year.
To start comparing plans in Florida, just enter your zip code where indicated on this page. You can also talk to one of eHealth’s licensed insurance agents -you’ll find contact information at the bottom of the page.
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.