What is Medicare Part D?
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What to know about prescription drug plans (Medicare Part D)
Original Medicare (Part A and Part B) does not include prescription drug coverage (Medicare Part D). That’s why drug plans are a good idea if you have prescriptions to fill regularly or just want help covering medication costs.
You can get a prescription drug plan from Amerigroup once you’ve enrolled in Original Medicare. Here are some benefits you’ll find with Amerivantage standalone prescription drug plans:
- A network of more than 66,000 pharmacies – that’s almost every pharmacy in America.
- A network of 24,000 preferred pharmacies we work with to help you save on many prescription drugs.
- Competitive monthly premiums as low as $20.50 (varies depending on where you live).
- Copays as low as $1 for generic drugs.
A standalone drug plan isn’t your only option for prescriptions. Most of our Medicare Advantage plans (Part C) are all-in-one plans that cover prescription drugs, along with other benefits like dental and vision insurance. If you have a Medicare Advantage plan that includes Part D coverage, you don’t need a standalone prescription drug plan.
Applying for a prescription drug plan
You’re eligible for a drug plan after you’ve enrolled in Original Medicare. The first enrollment period for Part D is the Initial Enrollment Period (IEP). That’s a seven-month window that includes:
Three months before you turn 65
The month you turn 65
Three months after you turn 65
During this time, you can apply for Part D coverage along with Medicare Part A and Part B. Even if you are not taking prescription medications, it’s best to enroll in Part D as soon as you’re eligible to avoid penalties. You can still add Part D coverage after your IEP. You can also make changes to your plan, including adding coverage, during the Annual Enrollment Period from October 15 to December 7 each year.
Medicare Part D costs: Compare plans to see what fits your budget
Finding the right Medicare Part D prescription drug plan is important for your health and your budget. Here’s something to make your search simple and stress-free.
A helpful tip from our agents:
What you pay for prescription drugs with a Part D plan comes down to the specific drugs you’re taking and if your plan covers them on a lower tier. A lower tier often means lower prices.
Use our search tool to find out which Amerivantage plan covers your prescriptions and at what price. The search tool also factors in out-of-pocket costs, such as monthly premiums, so you’ll have an estimate of what you’ll pay.
If you’re new to prescription drug plans, most have five drug tiers, with generic drugs typically making up the lowest and least expensive tiers. The formulary, or drug list, shows all the drugs the plan covers, and separates them into tiered levels based on cost.
Extra Help paying for Medicare Part D
The federal government offers Extra Help, a program with prescription drug assistance for people with low incomes. Extra Help can cover prescription drug plan deductibles, premiums and copays.
Learn more about Extra Help and other Medicare Savings Programs to see if you’re eligible.
Find and compare Amerigroup’s prescription drug plans to see which one is right for you.
Non-Discrimination Notice: The plan documents may be available in other languages. Or, if you have special needs, the documents may be available in other formats. Please review the Notice of Non-Discrimination in Health Programs and Activities and call Customer Service for details.
Amerigroup is a HMO plan with a Medicare contract and a contract with the State Medicaid Program. Enrollment in Amerigroup depends on contract renewal.