There are two ways to get prescription drug coverage through the Medicare program.
You can either enroll in a Medicare Advantage plan (Medicare Part C) that includes drug coverage, or you can enroll in a Medicare prescription drug plan (Medicare Part D).
Part C and Part D plans are provided by private health insurers and are regulated by the federal government.
Original Medicare (Parts A & B) does not provide prescription drug coverage.
All Medicare Advantage plans provide the same coverage as Original Medicare and some may include prescription drug coverage and other benefits.
90% of Medicare Advantage plans offer prescription drug coverage in 2020.1
Each Medicare Advantage plan has its own formulary, which is a list of drugs and brand names the plan will cover. Before enrolling in a particular Medicare Advantage plan, you should check its formulary to see if your particular medications are covered.
If you enroll in a Medicare Advantage plan that does not include prescription drug coverage, you may still be able to enroll in a Medicare Part D plan. However, some Medicare Advantage plans have rules which prohibit you from enrolling in a Part D plan.
Check the details of a Part C plan before you enroll.
Find Medicare Advantage plans in your area that offer drug coverageCompare Plans
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Medicare Part D plans provide prescription drug coverage for Medicare enrollees.
Medicare Part D is optional coverage that works with many other types of plans, including Original Medicare and some Medicare Advantage plans.
In 2020, more than 42 million people will be enrolled in stand-alone Medicare Part D plans.2
Part D plans have different formularies, tiers, coverage rules, and pharmacy networks. These factors may affect if and when your prescription drugs are covered.
Before enrolling in a Medicare prescription drug plan, you should confirm that the plan’s formulary covers your particular medications.
You can compare Part D plans available where you live and enroll in a Medicare prescription drug plan online in as little as 10 minutes when you visit MyRxPlans.com.3