Medicare Part D Plans in Pennsylvania
Find affordable Medicare plans in Pennsylvania
Did you know that Original Medicare (Part A and/or Part B) doesn’t cover prescription medications in most situations? It doesn’t cover most of the prescription medications you take at home. Medicare Part D is optional prescription drug coverage (available from private, Medicare-approved insurance companies) that can help cover your prescription drug costs in Pennsylvania.
There are a couple of different choices for your Medicare prescription drug coverage.
- One option is to enroll in a stand-alone Medicare Part D Prescription Drug Plan to work alongside your Original Medicare coverage.
- The other option is to enroll in a Medicare Advantage Prescription Drug plan, and receive your Original Medicare benefits through this plan instead of directly from the government. Medicare Advantage plans include all Medicare Part A and Part B benefits (excluding hospice care, which Medicare still covers) and often include other benefits as well, such as routine vision care and fitness programs. Those that include prescription drug coverage are called Medicare Advantage Prescription Drug plans, giving you all your Medicare benefits in one plan. You must continue to pay your Medicare Part B monthly premium.
You can typically enroll in either a stand-alone Medicare Part D Prescription Drug Plan or a Medicare Advantage Prescription Drug plan, but usually not both.
While Medicare prescription drug coverage is optional, it’s important to know that if you don’t sign up for this coverage when you first qualify for Medicare, you could pay a Medicare Part D late-enrollment penalty if you sign up later on.
Comparing Medicare Part D Prescription Drug Plans in Pennsylvania
There may be a range of Medicare Prescription Drug Plans in your part of Pennsylvania. You may want to compare all Medicare plan options available to you since the costs, availability, and coverage details may differ from plan to plan.
Each Medicare Prescription Drug Plan has its own tiered list of covered prescription medications (called a formulary). You might want to look at the formularies of plans you’re interested in, to make sure they cover your prescription drugs. The formulary may change at any time. You will receive notice from your plan when necessary.