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Prescription Drug Plans (Medicare Part D) are insurance plans specifically for prescription drug coverage for Medicare beneficiaries. They are a part of Medicare, but they are handled by Insurance companies directly. They are sold through those companies, or through brokers like me.


Individuals on Medicare are eligible for prescription drug coverage under a Part D plan if they are signed up for benefits under Medicare Part A and/or Part B. Beneficiaries obtain the Part D drug benefit through two types of plans administered by private insurance companies or other types of sponsors: the beneficiaries can join a standalone Prescription Drug Plan (PDP) for drug coverage only or they can join a public Part C health plan that jointly covers all hospital and medical services covered by Medicare Part A and Part B at a minimum, and typically covers additional healthcare costs not covered by Medicare Parts A and B including prescription drugs (MA-PD).[3](NOTE: Medicare beneficiaries need to be signed up for both Parts A and B to select Part C whereas they need only A or B to select Part D.)


Part D coverage excludes drugs or classes of drugs that may be excluded from Medicaidcoverage. These may include:

  • Drugs used for anorexiaweight loss, or weight gain

  • Drugs used to promote fertility

  • Drugs used for erectile dysfunction

  • Drugs used for cosmetic purposes (hair growth, etc.)

  • Drugs used for the symptomatic relief of cough and colds

  • Prescription vitamin and mineral products, except prenatal vitamins and fluoride preparations

  • Drugs where the manufacturer requires as a condition of sale any associated tests or monitoring services to be purchased exclusively from that manufacturer or its designee

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