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Medicare Part D Prescription Drug Plans in New Jersey

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About Medicare Part D Prescription Drug Plans in New Jersey

Some Medicare beneficiaries in New Jersey may not realize that Original Medicare, Part A and Part B, only covers limited prescription drugs in certain situations. If you’d like coverage for your prescription medications, you may want to learn about Medicare Part D Prescription Drug Plans.

You have two options for getting Medicare prescription drug coverage. Both of these options are available from private health insurance companies that contract with Medicare to provide this coverage.

  • You can enroll in a stand-alone Medicare Part D Prescription Drug Plan to work alongside your Original Medicare coverage. You must be enrolled in Medicare Part A and/or Part B, and live within the plan’s service area.
  • You can receive your Medicare benefits through a Medicare Advantage Prescription Drug plan. Medicare Advantage plans cover everything that Medicare Part A and Part B cover (except hospice care, which Medicare Part A covers even when you’re enrolled in a Medicare Advantage plan). Many of these plans include additional benefits, such as routine vision care, dental care, or fitness programs.

Medicare prescription drug coverage is optional — you don’t have to sign up for it, but if you do sign up, a good time to do so is during your Medicare Initial Enrollment Period (IEP). This is typically the seven-month period surrounding your 65th birthday, or the seven-month period surrounding your 25th month of receiving Social Security or Railroad Retirement Board disability benefits. If you don’t enroll in Medicare Prescription Drug coverage during your IEP, you may face a late-enrollment penalty if you decide to get this coverage later on.

How to compare Medicare Part D Prescription Drug Plans in New Jersey

As you look for a Medicare Prescription Drug Plan in New Jersey, you may want to start by making a list of your prescription medications so you can make sure the plan covers them. Each Medicare Prescription Drug Plan can decide its own formulary, or list of drugs to cover. The plan formulary may change at any time. You will receive notice from your plan when necessary.

To begin your comparison of Medicare Prescription Drug Plans right now, you can simply enter your zip code where indicated on this page and we will provide you with a detailed list of plans available in your area. You may also want to enter your current medications to help narrow your search.

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