Part D Drug Plans

Part D Drug Plans

Medicare offers the availability of Rx drug plans to all eligible Medicare beneficiaries.  In order to get Medicare drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare. Each plan can vary in cost and drugs covered.

CAUTION: Although you are not required to join a Drug plan, if you decide not to join one when you’re first eligible and you don’t have other creditable prescription drug coverage, or you don’t get Extra Help, you’ll likely pay a late enrollment penalty when you do join one.

Two ways to get drug coverage

  1. Part D Drug plans, sometimes called “PDPs,” add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.
  2. A Part C Medicare Advantage plan, like an HMO or PPO usually offers Medicare prescription drug coverage. With these plans, you get all of your Medicare Part A and Part B coverage, and prescription drug coverage (Part D). Medicare Advantage Plans with prescription drug coverage are sometimes called “MA-PDs.” You must have Part A and Part B to join a Medicare Advantage Plan.

How to join a drug plan

There are many ways to join a drug plan. If the drug plan is one we represent and if you live in a state where we are licensed, we will be glad to help you.  Otherwise, here are some ways to enroll:

  • Enroll on the Medicare Plan Finder or on the plan’s website.
  • Complete a paper enrollment form.
  • Call the plan.
  • Call Medicare.

When you join a Medicare drug plan, you’ll give your Medicare number and the date your Part A and/or Part B coverage started. Find this information on your Medicare card.


If you have a Part C Medicare Advantage plan and enroll in a Part D Drug plan, you will be disenrolled from your Part C plan, which typically means you will lost important health care benefits.

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Click here to learn about help available to Nevada residents for paying for Rx drugs under Part D plans.

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