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Simply Explained Medicare

Part D — prescription cover

The part of Medicare that is about your medications.

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Three questions

How can we help you?

Step 1: which coverage do you need?

Nothing here signs you up for anything. You choose what happens next.

Simply Explained

Part D — prescription cover

Part D is prescription cover. It sits alongside the rest of your Medicare rather than replacing any of it.

The only way to compare Part D honestly is with your actual medication list and your actual pharmacy. Enter them in the plan finder and it prices your prescriptions against each plan instead of showing you a premium in isolation.

A plan with a low premium and the wrong formulary can cost you far more across a year than a plan with a higher one.

Simply Timed

The enrollment year

The enrollment year A twelve-month bar chart of enrollment windows. Medicare Annual Enrollment runs October 15 to December 7. ACA Open Enrollment runs November 1 to January 15. The two overlap for six weeks through November and early December. Medicare Advantage Open Enrollment runs January 1 to March 31. both open — 6 weeks Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Medicare AEP Oct 15 – Dec 7 ACA Open Enrollment Nov 1 – Jan 15 Medicare Advantage OEP Jan 1 – Mar 31 The enrollment year Source: CMS enrollment periods A special enrollment period lasts 60 days from the qualifying event. 63 days without creditable drug coverage triggers a Part D penalty. The enrollment year A twelve-month chart of enrollment windows. Medicare Annual Enrollment runs October 15 to December 7. ACA Open Enrollment runs November 1 to January 15. The two overlap for six weeks through November and early December. Medicare Advantage Open Enrollment runs January 1 to March 31. Shaded: both open, 6 weeks Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Medicare AEP Oct 15 – Dec 7 ACA Open Enrollment Nov 1 – Jan 15 Medicare Advantage OEP Jan 1 – Mar 31 The enrollment year Source: CMS enrollment periods A special enrollment period lasts 60 days from the qualifying event. 63 days without creditable drug coverage triggers a Part D penalty.
Source: CMS enrollment periods.

Simply Committed

Still not sure which one you need?

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Licensed Insurance Agency. Simply Health Insurance Agency is an independent insurance agency. We are not connected with or endorsed by the United States government or the federal Medicare program.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

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