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Medicare Part D Eligibility in 2021

If you are eligible for Original Medicare, then you are also eligible for Medicare Part D prescription drug coverage. Unlike Medicare Part A and Part B, which you enroll in through Social Security, you can only get Medicare Part D through private insurance companies. 

Who is eligible for Medicare Part D?

Both individuals who qualify for Medicare because they turn 65 and people who qualify due to receiving disability benefits can enroll in a Medicare Part D prescription drug plan

You must be enrolled in Medicare Part A and/or Part B to sign up for a Medicare prescription drug plan. You should also know that if you choose not to sign up for a Medicare Part D drug plan when you are first eligible and don’t have any other creditable prescription drug coverage, you may face a late enrollment penalty should you choose to sign up later. Additionally, you can get prescription drug coverage through certain Medicare Advantage plans.

Medicare Part D Eligibility for Those 65 and Older

Once you turn 65 and become eligible for Original Medicare, you are also eligible for Medicare prescription drug coverage. You will not, however, be automatically enrolled in a Medicare prescription drug plan.

You can enroll in a Part D plan during your Initial Enrollment Period (IEP). Doing so can help you to avoid any late enrollment penalty fees should you lack other creditable prescription drug coverage and want to sign up for a Part D plan in the future.

However, you also have the option to join a Medicare drug plan or modify your prescription drug coverage during the Open Enrollment Period that occurs each year from October 15 – December 7. If you sign up for Medicare Part D during this time, your coverage will become effective on January 1 of the following year.

You should pay close attention to Medicare Part D enrollment periods, as you can’t sign up for a plan at any time of year, and in some cases, if you don’t sign up when you are first eligible, you could face late enrollment penalty fees.

It is also important to make sure that your drugs will be affordable on any given drug plan’s formulary before deciding to enroll in that plan. You will also want to check that your pharmacy will be covered and have preferred pricing. That’s where we come in.  

Here at Medicare Plans Direct, we can research drug plans for you quickly and easily, ensuring that you are getting the plan that matches your individual needs. Reach out today for guidance throughout your Medicare enrollment journey.

Medicare Part D Eligibility for Those Under 65

If you qualify for Medicare because you have been receiving disability benefits for two years, suffer from End-Stage Renal Disease (ESRD), or have been diagnosed with ALS, you can enroll in Medicare Part D prescription drug coverage

It is important to choose a plan that covers the medications that you require to treat your condition. We recommend that you consult with an expert before deciding to join a Medicare prescription drug plan.

If you would like advice regarding your Medicare Part D options, including getting drug coverage through a Medicare Advantage plan, reach out to an experienced insurance agent here at Medicare Plans Direct. We can address all of your Medicare-related questions and concerns in a free informational call. Set yours up today.

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