How To Enroll In Medicare Part D

About Medicare Part D


You can add a Medicare Part D prescription drug plan through a private insurer, after you enroll in Original Medicare Part A and/or Part B.


Medicare Parts A and B, also known as Original Medicare, do not cover prescription drugs (outside of medications prescribed to you during a hospital visit). 

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More Details On Medicare Part D 


Medicare Part D is optional additional insurance for prescription drugs. Whether you're managing a health condition such as diabetes or high blood pressure with regular prescriptions or you just need the occasional medication, Part D insurance can often save you money. Private insurers offer Medicare Part D, and they tend to have many choices in covered medications and pharmacies. 



Medicare Part D Enrollment Periods 


Initial Enrollment Period


Your first enrollment period for Medicare is called the Initial Enrollment Period (IEP). That's a seven-month window that includes: 


  • Three months before you turn 65

  • The month you turn 65

  • Three months after you turn 65


During this time, you can apply for Part D coverage along with Medicare Part A and Part B. If you don’t have creditable prescription drug coverage from another source, such as an employer plan, you should consider enrolling in a stand-alone Prescription Drug (Part D) plan or a Medicare Advantage (Part C) plan that includes Part D as soon as you’re eligible.  If you don’t you may have to pay late enrollment penalties added to your plan’s monthly premium.



Annual Enrollment Period


You still can add Part D coverage after your IEP. You can make changes to your plan, including adding coverage, during the Annual Enrollment Period, which is October 15 to December 7. 



Compare Medicare Part D Plans Before You Enroll 


You have many options for prescription drug coverage, so there are a few things to consider when you're  comparing Medicare Part D plans: 


  • Look for plans with generic prescription drug tiers, as generics often cost less than brand-name prescription medicines. 

  • Know how much you will pay in copays and coinsurance; basically, what you pay when you pick up your medicine at the pharmacy. 

  • Know and compare your monthly premiums and annual deductibles. Don't forget to include Medicare Part B premiums and deductibles so you know your complete healthcare expenses.

  • Make sure the plan you select covers the medications you use. All Part D plan providers include a formulary or list of medications covered. 

  • See if your Part D plan includes a pharmacy network. You may pay less by picking up your medications from in-network pharmacies. 



Avoiding The Medicare Part D Penalty


If you don’t sign up for a Part D plan when you’re first eligible, or you’ve gone 63 days or more without creditable drug coverage after your IEP, you’ll pay a monthly late enrollment Medicare Part D penalty while you have Part D coverage. While the fee is typically only a few dollars each month, it can add up over time. 



Prescription Drug Coverage Through A Medicare Advantage Plan 


Another way to receive prescription drug coverage is through a Medicare Advantage prescription drug (MAPD) plan, which combines Part C and Part D. These comprehensive plans are available through Medicare-approved private insurers like Anthem. Many of the plans include prescription drug coverage, plus many other benefits. 


These one-stop-shop plans may include dental care, vision care, hearing care, and wellness and fitness memberships, along with prescription drug coverage. If you have a Medicare Advantage plan that includes prescription drugs (which most do), you don't need a separate Part D plan.

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Anthem BlueCross BlueShield is a Medicare Advantage plan with a Medicare contract. Anthem BlueCross BlueShield Is a SNP plan with a Medicare contract and a contract with the state Medicaid program. Enrollment in Anthem BlueCross BlueShield depends on contract renewal.


Anthem BlueCross is a Medicare Advantage plan with a Medicare contract. Anthem BlueCross Is a SNP plan with a Medicare contract and a contract with the state Medicaid program. Enrollment in Anthem BlueCross depends on contract renewal.