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What is Part D?

Medicare Part D, also referred to as the Medicare prescription drug benefit, is an optional benefit available to anyone with Medicare. Individuals with Original Medicare do not have prescription drug benefits unless they choose to enroll in standalone Part D Prescription Drug Plan (PDP). For those individuals interested in a Medicare Advantage plan, however, Part D coverage can be obtained through a plan with prescription drug benefits, known as a Medicare Advantage Prescription Drug Plan (MA-PD).

What does Medicare Part D Cover?

Any plan offering prescription drug coverage through Medicare Part D is required to provide a standard level of coverage which is defined by Medicare. Specifically, Medicare Part D plans must cover substantially all drugs in the following categories: anticancer, anticonvulsants, antidepressants, antipsychotics, antiretrovirals, and immunosuppressants. Beyond the standard level of coverage, each PDP is required to publish a formulary, or list of prescription drugs they cover. Coverage varies between plans.

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