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Medicare generally doesn’t cover the prescription drug Mobic, or other medications taken at home, unless you are enrolled in a stand-alone Medicare Part D Prescription Drug Plan or a Medicare Advantage Prescription Drug plan.
Will Medicare cover Mobic?
Mobic, the brand-name formulation of the generic prescription drug meloxicam, is used to treat symptoms of swelling, pain, and tenderness associated with osteoarthritis and rheumatoid arthritis, according to the National Institutes of Health (NIH) National Library of Medicine. Mobic belongs to a class of medications known as non-steroidal anti-inflammatory drugs, or NSAIDs, that work by suppressing a substance in the body that causes inflammation and pain.
If you are enrolled in Original Medicare (Part A and Part B), you generally do not have coverage for prescription drugs such as Mobic that are taken at home. Under Original Medicare, Mobic would typically be covered only if you received it as an inpatient in a nursing home or hospital during a covered stay.
However, if you have prescription drug coverage under a Medicare Prescription Drug Plan, your plan may pay for treatment with Mobic. To find out, consult your plan’s formulary, which is a list of medications covered under the plan and the type of coverage available for each. Medicare Prescription Drug Plans are offered by private insurance companies contracted with Medicare; each company determines which medications are included in the formulary, subject to federal Medicare regulations. Plans can change their formularies at any time, but they must notify you in writing when they do.
How do I get Medicare Part D prescription drug coverage for Mobic?
Enrollment in a stand-alone Medicare Part D Prescription Drug Plan is entirely voluntary. However, if you think you’ll want Medicare coverage for prescription drugs such as Mobic, it’s a good idea to enroll as soon as you are eligible. If you don’t, you may have to pay a late-enrollment penalty with your monthly premium for as long as you have Medicare Part D coverage.
Medicare Part D prescription drug coverage is available in two ways:
- As a stand-alone Prescription Drug Plan you enroll in to complement your benefits under Original Medicare and certain other types of Medicare health plans
- As part of a Medicare Advantage Prescription Drug plan (MAPD)
Even though Medicare Part D may help cover costs for prescription drugs such as Mobic, you may still be responsible for annual deductible, copayments, or coinsurance. Also, your premium may vary depending on the plan you choose and where you live. Note that you need to be eligible for Medicare and be enrolled in either Part A and/or Part B before you may enroll in a Medicare Part D Prescription Drug Plan, and you have to live within the plan’s service area.
With certain types of Medicare Advantage plans that don’t offer prescription drug coverage, you may be able to add a stand-alone Medicare Part D Prescription Drug Plan.
If you’d like more information about Medicare coverage of Mobic and arthritis, I’m available to help. Click on the Get Quotes button on this page to get started.