Medicare Advice Center

Q. Will my prescriptions be covered?

The Short Answer

Medicare does not cover outpatient prescription drugs. So you will want to sign up for Part D Prescription Drug coverage. If you do not have creditable coverage, you will need to purchase a Part D plan from an insurance company. Note that this is separate from a Medicare supplement insurance plan. Many Medicare Advantage Plans include Part D coverage.

More Detail

It is important to always either have creditable coverage or a Part D plan once you turn 65. If you are covered under an employer or spouse's/partner's employer plan, you will be notified if what you have is creditable coverage. If you will not have creditable coverage upon turning 65, you should enroll in a Part D plan. Skipping Part D enrollment means you will need to pay a monthly penalty if you ever do decide to enroll in Part D.

If you purchase a Medicare supplement insurance plan, you will need to purchase a separate Part D plan.

If you enroll in a Medicare Advantage plan, it may already include prescription drug coverage.

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