How to get prescription drug coverage?

How to get prescription drug coverage?
Medicare drug coverage helps pay for prescription drugs you need. Even if you don’t take prescription drugs now, you should consider getting Medicare drug coverage. Medicare drug coverage is optional and is offered to everyone with Medicare. If you decide not to get it when you’re first eligible, and you don’t have other creditable prescription drug coverage (like drug coverage from an employer or union) you’ll likely have to pay a Late Enrollment Penalty (LEP) if you join a plan later. Generally, you’ll pay this penalty for as long as you have Medicare drug coverage. To get Medicare drug coverage, you must join a Medicare-approved plan that offers drug coverage. Each plan can vary in cost and specific drugs covered.

There are 2 ways to get Medicare drug coverage:

1. Medicare Part D Prescription Plans (PDP). These plans add drug coverage to Original Medicare. You must have Medicare Part A (Hospital Insurance) and/or Medicare Part B (Medical Insurance) to join a separate Medicare drug plan.

2. Medicare Advantage Plan (Part C) with drug coverage. You get Part A, Part B, and Part D drug coverage through these plans. Remember, you must have Part A and Part B to join a Medicare Advantage Plan. Not all of these plans offer drug coverage.