Medicare Part D

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Medicare Part D 

Medicare Subset D is a prescription drug benefit program available to those 65 and older, some younger people with disabilities, and those with end-stage renal illness as a part of the more extensive Medicare government health insurance program. Anyone with Medicare can get Part D, an optional benefit handled by commercial insurance firms.

What is Medicare Part D (Prescription Drug Benefit)?

Medicare Part D is an entirely voluntary outpatient prescription drug benefit for Medicare recipients offered through commercial companies with federal government approval. A Medicare Advantage prescription drug plan (MA-PD), primarily an HMO or a PPO, covers all Medicare benefits, including prescription medications, or a stand-alone prescription drug plan (PDP) to augment regular Medicare. Of the more than 60 million individuals insured by Medicare in 2020, 46 million are enrolled in Part D programs.

How does Medicare Part D work?

Both Medicare Advantage and Part D provide coverage for prescription medications. A part of the more extensive Medicare, a federal health insurance program, is Medicare Part D.

Even though Medicare covers many medical procedures, Part D is dedicated to lowering prescription costs for Americans 65 and older.

Medicare Part D is often elective for those who currently have Medicare coverage. However, if you want to do so, you will be responsible for paying the exact costs associated with regular insurance plans, including monthly premiums, yearly deductibles, and copays. In return, you receive more prescription medication coverage than what is already provided by the general Medicare program. For this reason, it’s up to you to choose whether subscribing to Medicare Part D makes economic sense, given your health needs and financial circumstances.

How much does Medicare Part D cost?

You’ll make these payments throughout the year in a Medicare drug plan:

  • Premium
  • Costs if you get Extra Help
  • Costs if you pay a late enrollment penalty
  • Yearly deductible
  • Copayments or coinsurance
  • Costs in the coverage gap independent agency

Already have Medicare Part D ? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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Peter Orona ABCDMedicare
We extend coverage to individuals and businesses in Phoenix, Arizona and surrounding areas.
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This is a proprietary website and is not, associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at
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