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What is Medicare Part D?

Medicare Part D is a federal program to subsidize the cost of prescription drugs for Medicare beneficiaries. Prior to 2003, Medicare only covered hospital care (Medicare Part A) and doctor and out-patient care (Medicare Part B). In 2003, the Medicare Prescription Drug Improvement and Modernization Act of 2003 became a law. As a result, in 2006 Medicare also provided coverage for prescription drug costs.

Medicare contracts with private insurance plans, and these plans provide prescription drug benefits to Medicare beneficiaries. This coverage is available as a prescription drug plan (PDP) if you have an Original Medicare Plan or included in some Medicare Advantage plans (MAPD). To take advantage of Medicare Part D coverage, most people will need to purchase one of these private plans. These are the plans we will show you through our free Medicare Part D plan comparison tool.

What is the difference between PDP, Part D and MAPD?

Medicare Part D (Prescription Drug Coverage) is offered by government-approved private insurance companies, and helps cover prescription drugs and protect against higher costs in the future.

This coverage is available as a prescription drug plan (PDP) if you have an Original Medicare Plan or included in some Medicare Advantage plans (MAPD). Costs vary by plan and can be estimated using the free Medicare Part D plan comparison tool.

One main advantage of an MAPD plan versus a PDP plan is that with an MAPD, you receive all your insurance benefits from one company. With PDP plans, you may receive Original Medicare (Part A and Part B) from one insurance company and Part D from another.

Try Our Medicare Part D Doughnut Hole Calculator

Am I eligible for Medicare Part D?

Most people become eligible for Medicare when they turn 65. If you have a Medicare Part A or Medicare Part B plan, you are eligible for Medicare Part D coverage as well. Eligible Medicare beneficiaries who want Part D coverage must enroll in a plan of their choice. You will not automatically be enrolled in a Part D plan when you turn 65. With our free easy to use Medicare Part D plan comparison tool, you can review plan options, compare plans and apply online.

Medicare Part D Explained: