for 2009 Part D – Medicare Prescription Drug
Medicare offers prescription drug coverage for everyone
with Medicare. This coverage is called "Part D".
- To get Medicare drug coverage, you must either join a
Medicare drug plan adding on to your Original Medicare
Plan, or join a Medicare Advantage Plan that includes Part
- Medicare drug plans are run by insurance companies
and other private companies approved by Medicare.
- Each plan can vary in cost and drugs covered.
you decide not to
join a Medicare drug
plan when you are first eligible, you may pay a late-enrollment
penalty if you choose to join late.
- If you qualify
for extra help and
don't choose a plan yourself, Medicare will enroll
you in one.
All Medicare drug plans must generally cover at least
two drugs in each category of drugs, but plans can choose
which specific drugs are covered in each category. Plans
are required to cover almost all drugs in six classes that
include anti-psychotics, anti-depressants, anti-convulsants,
immunosuppressants, cancer, and HIV/AIDS drugs.
certain drugs that
Medicare drug plans aren't required to cover, such as benzodiazepines,
barbiturates, drugs for weight loss or gain, and drugs
for erectile dysfunction. Some plans may choose to cover
these drugs as an added benefit. In addition, drug plans
generally aren't allowed to cover over-the-counter drugs.
Some states may cover these drugs if you have Medicaid.
Plans may also exclude certain drugs from coverage. Although
your Medicare drug
plan may not have a certain drug on its list of covered
drugs (formulary), a different drug that is safe and effective
for the same purpose will be covered. This may be a generic
version of the drug, or it may be another brand-name drug
that may provide the same benefit as the drug that isn't
on the plan's formulary. All plans must have a process
for you to ask them to pay for a drug you need that isn't
on their formulary. They may or may not agree to cover
GO TO ==> What
Is Not Covered or
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