When you are ready to decide on a plan, take the time to understand how the plans work. That way, you can make an informed decision and choose the plan that's right for you.
Different PDPs Cover Different DrugsThe federal government has specific guidelines for the types of medications we must cover as well as a minimum standard of benefits we must follow.
Each plan has a formulary (a list of covered drugs) that meets these requirements as required by law. Keep in mind, not all plans are the same. They may vary in cost or specific drugs covered.
If you enroll in a Medicare Part D plan, please review the plan's formulary to ensure it will meet your prescription drug coverage needs.
If You Have a Current Medicare Advantage PlanIf your Medicare Advantage Plan includes prescription drug coverage and you join a Medicare PDP, you will be disenrolled from your Medicare Advantage Plan and returned to Original Medicare with your Medicare PDP.
Late Enrollment Penalty (LEP)The late enrollment penalty is an amount added to your monthly Medicare drug plan (Part D) premium for as long as you have Medicare prescription drug coverage. You may owe a late enrollment penalty if you didn’t join a Medicare drug plan when you were first eligible for Medicare Part A and/or Part B, and:
- You didn’t have other prescription drug coverage that met Medicare’s minimum standards; OR
- You had a break in coverage of at least 63 days
When It Comes to Coverage, You Have Options:
- You can get Medicare prescription drug coverage through a Medicare PDP (Part D).
- You can sign up for a Medicare Advantage plan (HMO or PPO) or other Medicare health plan that offers Medicare prescription drug coverage.
For descriptions of a variety of Medicare terms, view our glossary of terms.
More Savings. More Coverage. Caring Service.
- Low premiums and $0 Tier 1 drugs at all network pharmacies that offer preferred cost-sharing on our Classic plan to stretch your health care dollar.
- No deductible and $0 co-payments on Tier 1 drugs at all network sharing pharmacies that offer preferred cost-sharing on our Extra Plan beginning day one.
- Low premiums and $0 copays on Tier 1 drugs at all network pharmacies that offer preferred cost sharing on our Value Script Plan*
- $0 co-payments for Tier 1 drugs and significant savings on other Tiers for a 90 day supply when using our medication home delivery service that offers preferred cost sharing.*
- More than 68,000 network pharmacies nationwide.
- Customer Service representatives are ready to help you with any questions about your coverage or medications.
For a complete list of drugs covered by our plan, please call Customer Service.
* You can fill your prescription at any network pharmacy. These savings occur when you fill your prescription at our network mail service pharmacy that offers preferred cost-sharing. Your co-pay at a network pharmacy that offers standard cost sharing may be higher.