Medicare offers prescription drug coverage to everyone with Medicare. If you decide not to join a Medicare Prescription Drug Plan (Part D) when you're first eligible, and you don't have other creditable prescription drug coverage, you'll likely pay a late enrollment penalty.

To get Medicare drug coverage, you must join a plan provided by an insurance company or other private company approved by Medicare. Each plan can vary in cost and drugs covered.

There are two ways to get drug coverage:
1. A Medicare Prescription Drug Plan (Part D)
2. A Medicare Advantage Plan (Part C), like an HMO or PPO, or other Medicare health plan that offers Medicare prescription drug coverage.



Click here to request more information on PDPs.