HOW DOES MEDICARE PRESCRIPTION DRUG COVERAGE (PART D) WORK?

Medicare offers prescription drug coverage to everyone with Medicare. Even if you don't take many prescriptions now, you should consider joining a Medicare drug plan.

If you decide not to join a Medicare drug plan when you're first eligible and you don't have other creditable prescription drug coverage, you'll likely pay a late enrollment penalty for as long as you have Medicare drug coverage if you join later.

To get Medicare prescription drug coverage, you must join a plan approved by Medicare.  Each plan can vary in cost and drugs covered.