Medicare Part D
The component of Medicare that provides prescription drug coverage through private plans approved by Medicare.
Stand-alone Part D plans are available for those on Original Medicare; Medicare Advantage plans often include Part D. IRMAA surcharges also apply to Part D premiums for higher-income beneficiaries. The Inflation Reduction Act capped out-of-pocket Medicare drug costs at $2,000/year starting 2025.
→ Enroll in Part D when you first become eligible to avoid a late enrollment penalty.
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Frequently asked questions about Medicare Part D
What is Medicare Part D?+
The component of Medicare that provides prescription drug coverage through private plans approved by Medicare. Stand-alone Part D plans are available for those on Original Medicare; Medicare Advantage plans often include Part D.
Who qualifies for Medicare Part D?+
→ Enroll in Part D when you first become eligible to avoid a late enrollment penalty.
How do I apply for Medicare Part D?+
Most people are enrolled automatically at 65. To pick a plan or sign up manually, go to medicare.gov or call your free SHIP counselor.
Where can I get help?+
Call your free State Health Insurance Assistance Program (SHIP) for one-on-one Medicare counseling at no cost, or compare plans at medicare.gov.