Medicare Part D
Get your medicines covered with Medicare Part D prescription drug coverage
For many seniors, managing the cost of prescription drugs is near the top of the list when it comes to their health care needs. Original Medicare doesn’t cover medications outside of those given while you’re at the doctor’s office or during a hospital stay. Because of this, many Medicare recipients opt for additional prescription drug coverage.
What is Medicare Part D coverage?
Medicare Part D is the
- Medicare Advantage plans – Most
Medicare Advantage plansinclude Part D, grouping all your coverage in one plan.
- Stand-alone Part D plans – These plans let you add prescription drug coverage to Original Medicare and several other plan types.
Medicare Part D enrollment
You can sign up for Part D coverage as soon as you’re
Medicare Part D drug tiers
Part D coverage varies for different types of prescription drugs, which are grouped into tiers. In general, drugs in lower tiers have lower costs, and drugs in higher tiers have higher costs.
For example, HealthPartners UnityPoint Health plans have five tiers:
- Tier 1: Preferred generic drugs – This is the lowest tier. Lower-cost, commonly used generic drugs are in this tier.
- Tier 2: Generic drugs – High-cost, commonly used generic drugs are in this tier.
- Tier 3: Preferred brand drugs – Brand-name drugs without a lower-cost generic therapeutic equivalent are in this tier.
- Tier 4: Non-preferred drugs – Higher-cost generic drugs and brand-name drugs with a lower-cost generic therapeutic equivalent are in this tier.
- Tier 5: Specialty drugs – This is the highest tier. Unique and/or very high-cost generic and brand-name drugs are in this tier.
Part D has four stages of coverage, and you pay a different amount for your prescriptions in each stage. The coverage cycle begins on January 1 of each year. The cost of the prescription drugs you use will determine the number of stages you’ll reach throughout the year – it’s important to understand how the coverage stages work so you’re prepared for any changing costs.
Our Medicare Advantage plans include Part D coverage with no deductible, providing the added convenience of having all your coverage in one plan. Members can expect benefits like:
- Fewer phone calls: You’ll have one number for all your questions. With two separate plans, you’d have to call one number with your medical questions and another number about your medications.
- One member ID card:Along with one member ID number, one card helps keep things simple.
- Knowing your medications: A combined plan can help you manage your medications and make sure you get the most benefit from them through the
medication therapy management (MTM)program.
Dig into the details about Medicare Part D
We have a lot more information about Medicare Part D available, including:
Medicare drug coverage blog poststhat further explain Part D coverage and how you can get the most out of your plan
- Our Medicare formulary (drug list)
- Information on the
Medicare Extra Help program (PDF) Our Medicare resources page
Last updated October 2022