Many Medicare Advantage (Part C) plans include prescription drug coverage, in which case you would not need Medicare Part D. If your Medicare Advantage Plan does not include prescription drug coverage, you may be allowed to add Medicare Part D.
Medicare Part C
Some people receive their Medicare benefits through Original Medicare, also known as Medicare Part A and Part B. Others use Medicare Advantage, also known as Medicare Part C. Medicare Advantage includes the same benefits as Part A and Part B but also includes coverage for additional services such as vision or wellness. In addition, most Medicare Advantage plans offer prescription drug coverage. Private insurance companies offer Medicare Advantage, and the plans must be approved by Medicare.
Medicare Part D
Medicare Part D is a prescription drug plan. Most people who use it also use the Original Medicare plans (Part A and Part B) which usually doesn't cover prescription drugs. These plans are also offered from private, insurance companies, and the plans must be approved by Medicare.
Options if Medicare Advantage Plan Does Not Include Prescription Drug Coverage
- Look for a different Medicare Advantage plan. Be sure it includes prescription drug coverage.
- Switch from Medicare Advantage (Part C) to Original Medicare (Part A and Part B). Then, add a Medicare Part D Prescription Drug Plan.
If you decide to switch plans, be sure to read the fine print on when the Annual Election Period (or enrollment sign up) begins.
For help finding a Medicare plan, try our Medicare Cost Revealer. If you have any questions, please contact Medicare at any time at 1-800-MEDICARE (1-800-633-4227; TTY users 1-877-486-2048).