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The A, B, C, Ds of Medicare Prescription Drug Plans Part D
To round out your health care coverage, Medicare offers prescription drug plans for all eligible citizens. This is called "Part D." This benefit helps lower the cost of prescription drugs that can prevent complications of diseases and help keep you healthy. Part D plans are part of the government's Medicare program, but they are offered and managed through approved private insurers, like CIGNA.
If you have Medicare Part A and/or Part B, you can enroll in a separate Part D prescription drug plan. Or you may choose to join a Medicare Advantage plan that includes drug coverage.
You must continue to pay Part B premiums and you may have to pay an additional premium for the Part D coverage. If you choose a Medicare Advantage plan that contains drug coverage, your premium will include the medical and drug portion of the plan.
Like traditional drug plans, your out-of-pocket costs will vary depending on which drug you use – if there is a qualified generic alternative and if you take advantage of mail-order delivery, for instance. Fortunately, plans like those offered by CIGNA, have different levels from which to choose. This means you can pick a plan that best meets your budget and prescription drug needs.
Note: In some cases your premium may be higher if you didn't sign up for Part D when you first became eligible.
- Protection against high prescription drug costs;
- Low premiums;
- Choices of cost and benefit levels;
- Easy to use;
- Flexible payment options; and
- Works with Medicare Part A and Part B, or may be included in a Medicare Advantage plan.