Original Medicare (Part A and B) typically doesn’t cover prescription drugs that you take at home. Most of the time, you’d need a Medicare plan that includes prescription drug coverage to help you cover the costs of prescription drugs like triamterene and hydrochlorothiazide, or HCTZ/triamterene.

According to the National Institutes of Health’s U.S. National Library of Medicine (NLM), the combination of hydrochlorothiazide and triamterene (HCTZ/triamterene) treats high blood pressure and edema (fluid retention). High blood pressure can cause physical damage to the kidneys, brain, and other vital organs if not treated, and damages to these organs may cause heart disease and other heart problems. High blood pressure can also cause other problems like kidney failure and loss of vision, among other health conditions.

You might also consult with your doctor to make certain lifestyle changes like exercise and diet changes; not smoking; and only using alcohol in moderation to help control your blood pressure, notes the NLM.

Does Original Medicare cover prescription drugs like HCTZ/triamterene?

Original Medicare consists of Part A (hospital insurance) and Part B (medical insurance). These work together to cover a broad range of inpatient and outpatient health services. However, Original Medicare offers limited coverage for prescription drugs. Typically, Part A covers prescription drugs taken during an inpatient stay, and Part B provides very limited coverage for certain kinds of prescription drugs that are directly administered to patients by a health-care provider.

How does Medicare Part D cover prescriptions like HCTZ/triamterene?

Insurance companies that are contracted with Medicare offer Medicare plans that include prescription drug coverage under Medicare Part D. You can check the formulary, or list of covered drugs, to find out how various plans help pay for your HCTZ/triamterene prescription. For example, coverage might vary for generic drugs, brand name drugs, and certain specialized medications. Note that insurance companies may change plan formularies at any time, but they will notify you when necessary.

One option is to remain with Original Medicare and enroll in a stand-alone Medicare Part D Prescription Drug Plan to help cover the costs of medications.

A second option is getting your coverage through the Medicare Advantage (Medicare Part C) program, which is an alternative way to receive Original Medicare benefits (except for hospice care, which is still covered by Part A). Most Medicare Advantage plans include prescription drug coverage (Medicare Advantage Prescription Drug plans). Please note that you’ll still need to pay your Medicare Part B premium, along with any premium required by the Medicare Advantage plan, along with copayments, coinsurance, and deductibles.

Would you like to learn more about Medicare Part D Prescription Drug Plans or Medicare Advantage Prescription Drug plans that cover HCTZ/triamterene? If so, I’d like to help.

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