Part D coverage can either be

• Included in your Part C or Medicare Advantage Plan coverage.

• Purchased separately to support your prescription needs if you are either enrolled
  only under Original Medicare or also enrolled in a Medicare Supplement plan

 

Part D coverage is optional

• While coverage is optional, CMS requires that all Medicare eligible beneficiaries do
  have creditable coverage in place.

• If you do not have other creditable coverage and opt not to enroll into a Part D plan
  you can be penalized.

 

Part D coverage has monthly plan premiums

• Most Part D plans have a monthly premium

• Those included in a zero premium Part C plan will not have a premium

 

There are programs available to assist those with limited income with the
cost of co-pays and premium.