Medicare Part D By State

Original Medicare doesn’t cover most prescription drugs you take at home. That’s where Medicare Part D prescription drug coverage available from private insurance companies comes in.

Medicare Part D is available in every state. For an overview of Medicare Part D, keep reading.

How to get Medicare Part D

You can enroll in a Medicare Part D as a stand-alone plan that goes along with Original Medicare (Part A and Part B). Your will usually pay an additional premium for Medicare Part D coverage.

Medicare Advantage is another way to get your Medicare Part A and Part B coverage. You can also get Medicare Part D wrapped up in a Medicare Advantage plan along with your Part A and Part B coverage.

How much does Part D cost?

The Part D premium usually varies from plan to plan. You may also pay a deductible, which is an out-of-pocket amount you are responsible for before your plan begins to pay. Thirdly, you usually will pay a copayment or coinsurance when you fill a prescription. The amount will generally depend on what tier the prescription drug is on. Tier one medications generally cost less than tier two, and tier two costs less than tier three, and so forth. You may pay $5 for a tier one preferred generic medication and a 30% coinsurance for tier 3 preferred brand medication.

If you have trouble affording Medicare Part D prescription drugs, you can apply for Extra Help which can cover some of your out-of-pocket costs.

Medicare Part D plans aren’t standardized by state. The federal government sets the basic rules (such as a maximum deductible) and the private insurance companies that offer the plans set the plan details.