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Medicare Part D : Older Adults : Step1

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What is Medicare Part D all about?

Medicare Part D offers subsidized prescription drug coverage to everyone with Medicare. The Medicare Modernization Act of 2003 created Part D, Medicare Prescription Drug Coverage.

Three important things to remember:

  1. Medicare Part D is not automatic. You must enroll in it. If you decide not to enroll, that’s fine. It’s your choice. But if you change your mind later and decide to join, you will pay higher premiums because of a late enrollment penalty. You may have to pay this penalty for as long as you have a Medicare drug plan. If you had to pay a Part D late enrollment penalty before you turned 65, the penalty will be waived once you reach 65.

  2. Medicare Part D is not free. To get prescription coverage, you must enroll in a plan approved by Medicare. Click here to locate an approved plan in your area.

  3. Enrollment dates may vary from year to year. Be certain to check with Medicare regarding enrollment dates.

Selecting a drug plan that meets your needs may feel overwhelming. Be certain to ask questions and get answers from knowledgeable resources before signing up for any plan. You can find answers to many questions by visiting the Medicare website, or by calling 800-MEDICARE (800-633-4227). TTY users should call 877-486-2048. To speed up your service, have your Medicare number available when you call.

You can also download the "Medicare and You" handbook or the "Your Guide to Medicare Prescription Drug Coverage" booklet.