Medicare Part D Prescription Drug Plans

It is important to find the right plan to cover all your prescription needs. Get help from one of our agents on finding the right Medicare Prescription Dug plans today.

What is Medicare Prescription Drug Plan?

These plans (sometimes called "PDPs") add drug coverage to Original Medicare or a Medicare Supplement Insurance (Medigap) policy.

Medicare prescription drug coverage is an optional benefit offered to everyone who has Medicare. This page offers tips for making the right choices for you.

If you decide not to get Medicare drug coverage when you're first eligible, you'll likely pay a late enrollment penalty if you join later, unless one of these applies:

You have other creditable prescription drug coverage through either an employer or a retirement plan
You get Extra Help from either a Federal or State agency (Medicaid)

Generally, you'll pay this penalty for as long as you have Medicare prescription drug coverage.

Each plan that offers prescription drug coverage through Medicare Part D must give at least a standard level of coverage set by Medicare. Plans can vary the list of prescription drugs they cover (called a formulary) and how they place drugs into different "tiers" on their formularies.

Most Medicare Prescription Drug Plans have their own list of what drugs are covered, called a formulary. Plans include both brand-name prescription drugs and generic drug coverage. The formulary includes at least 2 drugs in the most commonly prescribed categories and classes. This helps make sure that people with different medical conditions can get the prescription drugs they need. All Medicare drug plans generally must cover at least 2 drugs per drug category, but plans can choose which drugs covered by Part D they will offer.

The formulary might not include your specific drug. However, in most cases, a similar drug should be available. If you or your prescriber (your doctor or other health care provider who’s legally allowed to write prescriptions) believes none of the drugs on your plan’s formulary will work for your condition, you can ask for an exception.

*There are many different Prescription Drug Plans available in Nevada and it is important to have a list of your prescriptions available so our Medicare Agents can help you find the right plan for you.*

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