Medicare Part D is a prescription drug plan for essential medications. This coverage usually provides significant savings to those who enroll, as they only have to pay copays or a small percentage of prescription drug costs. It is possible to purchase Medicare Part D insurance as a standalone plan.

There is some information you should be aware of if you elect to purchase Medicare Part D coverage:

• You pay an annual deductible as with other insurance policies. Once you have satisfied this deductible, your insurance coverage begins.
• Drug availability may be based on your plan’s formulary, but there are usually excellent options and generic drugs available.
• Once you exceed your plan’s coverage and out-of-pocket expenses, you may be eligible for catastrophic coverage. This is helpful for people who take many medications, whether for chronic conditions or after an unexpected acute health incident.

Once you are eligible for Medicare Part A and B, you can also sign up for Part D drug coverage.

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