Medicare Prescription Drug Coverage

Medicare Part D's prescription drug coverage is the part of Medicare that covers prescription drugs. It helps pay for the medicines your doctor prescribes to help you stay healthy.

You can get Part D through a private insurance plan approved by Medicare. You may pay a monthly premium, and you may also pay part of the cost when you pick up your medicine.

You have 2 options when choosing a Medicare Part D plan:

• Standalone Part D plans: These plans add drug coverage to original Medicare (Parts A and B). For example, if you have original Medicare with or without a Medicare Supplement (Medigap), you need to add a Part D plan to get help paying for your prescription medicine.
• Medicare Advantage plans: You can join a Medicare Advantage (Part C) plan that includes Part A, Part B, and Part D all in one plan.

Can I get help from Medicare Part D?

You can get Medicare Part D if you already have Part A or Part B. Most people get Part D when they first become eligible for Medicare, usually at age 65. You can also get this coverage if you are younger but have a disability and get Medicare benefits.

Do I have to join a Medicare Part D plan?

You do not have to join a Medicare Part D plan. But if you decide later that you want Part D after the timeframe for signing up has passed, you will pay extra for the plan each month. This is called the Part D late enrollment penalty.

How much does Medicare Part D cost?

The cost of Medicare Part D depends on the plan you choose. Most people pay a monthly premium, which averages $46.50 in 2025. If you have a higher income, you might pay an extra amount each month.

You may also pay a deductible (the amount you pay before plan coverage starts) and copays (a small amount for each prescription).

If you have limited income, you may qualify for the Part D Extra Help benefit, which can help lower your prescription drug costs.

When can I get Medicare Part D?

You can sign up for Part D:

• When you first get Medicare (usually around your 65th birthday). This is called your Initial Enrollment Period. It lasts 7 months, including 3 months before, the month of, and 3 months after your birthday month.
• Each year during Open Enrollment: From Oct. 15 to Dec. 7, you can join, switch, or drop a Part D plan. Your changes start Jan. 1.

You may also qualify for a Special Enrollment Period if you move or lose other drug coverage.

How do I choose a Medicare Part D plan?

To compare plans or enroll in a Medicare Prescription Drug Plan, go to the Medicare Plan Finder.