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Medicare Part D

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Choose the right Medicare Part D 

Original Medicare

Medicare is the Government sponsored Health Insurance program for Senior citizens (65+) and for younger people with certain disabilities. The original (basic) coverage is in two parts A & B but you can add security……

Prescription Drug Coverage

Medicare Part D (prescription drug coverage): Original Medicare (parts A & B) does not include prescription drug benefits, except in certain situations. You can sign up for prescription drug coverage through a separate Medicare prescription drugs plan(‘D’), or through a Medicare Advantage Prescription Drug plan.

Maximum Flexibility

Original Medicare Part A provides for basic medical and preventative care. It is generally available without having to pay a monthly premium. Original Part B is compulsory but paid for, as are the optional supplementary services through monthly premiums. In this way individuals can combine security with the choices most appropriate to their circumstances

TrueCoverage will help to find the policy which suits you.

Understanding Medicare Part D

Frequently Asked Questions

Is there any restriction as to what drugs I can obtain?

Broadly speaking the only restriction is that the drugs are prescribed by a qualified physician though in some instances only the cost of a generic product will be allowed under the scheme.

Is there any difference between the coverage offered by the Medicare Part D and Medicare Advantage plans in respect of drug coverage?

The same rules, as above, apply to both programs. You may find that the Advantage plans more flexible in terms of providers and any deductibles can be spread across a wider range of services.

Can I be forced to leave a plan for any reason?

If the drugs are prescribed and for your own use you cannot be refused renewal of your Plan. It makes sense to make some provision for any anticipated need for prescription drugs. It will be made clear in any contract that the prescription drugs are for your sole use.

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This website is operated by TrueCoverage and is not the Health Insurance MarketplaceSM website. In offering this website, TrueCoverage is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220 (c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans (QHPs) being offered in your state through the Health Insurance MarketplaceSM website. To see all available data on QHP options in your state, go to the Health Insurance MarketplaceSM website at HealthCare.gov.

Also, you should visit the Health Insurance MarketplaceSM website at HealthCare.gov if:

    • You want to select a catastrophic health plan.
    • You want to enroll members of your household in separate QHPs.
    • The plans offered here don’t offer pediatric dental coverage and you want to choose a QHP that covers pediatric dental services or a separate dental plan with pediatric coverage. Pediatric dental services are an essential health benefit.

TrueCoverage offers the opportunity to enroll in either QHPs and off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

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