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Medicare Advantage Plans with Prescription Drug Coverage

Prescription drug coverage is available to anyone who is entitle to Medicare Part A or enrolled in Part B. There are two ways to get this coverage:
  1. Through stand alone a Medicare Prescription Drug Plan: Such a plan is an additional coverage to the Medicare Part A and Part B, some Medicare Private Fee-for-Service and Medicare Cost plans.
  2. Medicare Advantage Plans: These plans will offer you basic Part A and B coverage as well as prescription drug coverage i.e. Part D. Medicare Advantage plans with Prescription Drug coverage are also known as MAPD plans. To be a part of the Medicare Advantage Plan, you must already be enrolled in Part A and B.

What If You Get Prescription Drug Coverage through Medicare Advantage Plan?

  • Every year, all Medicare eligible enrollees can switch, drop and join Medicare Advantage or Prescription Drug plan from October 15th to December 7th each year. Your coverage for the new plan (if you change) will be effective from January 1 of the upcoming year.
  • In case of limited income resources, you may be eligible to qualify for Extra Help for your Medicare Prescription Drug coverage.
If you’re looking for Medicare Advantage Plan, you can request a quote today.

Monthly Premium Charges

These charges may vary depending on the plan and the benefits they offer.  Regardless of what you pay, the plan is still going to provide you with a standard level of coverage as set by Medicare.  Plans may vary based on the benefit and services offered and prescription drugs covered, providers available and participating pharmacies.Each year, plans establish the amounts they charge for premiums, deductibles, and services.  The plan (rather than Medicare) decides how much you pay for the covered services you get.  What you pay the plan may change only once a year, on January 1.

Payments for Annual Deductibles and Co-payments

Every year, you may have to pay a deductible before coverage begins, but this varies based on plan chosen. Once your coverage does begin, you will have to pay co-payments for office visits, prescription drugs and other medical services. Amounts vary based on plan chosen. Medicare Advantage plans may have lower co-payments than that of traditional Medicare; however, these plans are usually limited to certain service areas and also you many need to use healthcare providers included in their network.