Medicare Part D

Medicare Part D is the part of Medicare that covers your prescriptions. The plans are only available through private insurance companies.

We offer a few Medicare Part D Plan Options, and there are many more that you can explore through Medicare.gov.

Medicare Part D Benefits Explained

Eligibility

Often the most complicated parts of Medicare is determining when, and what, you are eligible for.

You first become eligible for Medicare Part D at the same time you’re eligible for Medicare Parts A & B. You have a 7 month window to enroll. This window begins three months prior to the month you turn 65, includes your birthday month, then three months after.

This works the same if you are under 65 and disabled, except instead of your birthday month, your 7 month window starts three months before your 25th month of disability. You later get a another 7 month enrollment window when you turn 65.

You can also enroll in or change your prescription drug plan each year during the Annual Enrollment Period. In 2011, the dates have been changed from previous years. The new dates are October 15th-December 7th.

The enrollment periods for Medicare Part D and Medicare Advantage Plans are the same.

What can I expect to spend?

Some sample pricing taken from Medicare.gov for San Diego county ranges from a low monthly premium of $14.80, medium price range of $28.10, and a high of $71.40 monthly premium.

Some of the lower price range plans have an annual deductible of $310.

Enrolling in a Plan

Senior Insurance Services offers a few strong plan choices in the middle price range. Visit our Part D Plan page for options if you’d like personal help enrolling with an agent.

Your other alternative is to visit Medicare.gov, an outstanding resource for all your Medicare Part D options. You simply visit the site, click on “Health and Drug Plans” and follow the instructions. You will be directed to enter your drugs, and pharmacy choices. You may skip this step for preliminary purposes!! The plan premiums are the same regardless of your prescriptions.

If you are only searching for stand-alone Part D prescription plans, make sure to “unclick” the health plan options under “refine your search” in step 4.

Medicare.gov will give you a complete listing of drug plans available in your zip code, including monthly premium, deductible if any, plan copays, and plan ratings.

If you’d like more in depth cost analysis, and confirmation that your specific drugs will be covered, you may later perform this search and enter in each of your prescriptions. Medicare.gov will give you customized annual costs for each drug plan available in your zip code, based on the drugs you enter. This feature is invaluable for those with potentially costly prescriptions, and those that have reached the coverage gap in the past.

Learn more about Medicare Part D Benefits

For help call:

Pamela Cook
CA Insurance 0G04182
Toll Free 888.520.8683

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