What You Need to Know About Medicare Part D

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In this article, we’ll be focusing on Medicare Part D, which covers the costs of prescription drugs, and going over some key information that you should know about it.

Here at Independent Benefit Advisors, we want to help you make the best possible decisions concerning your health and your health care coverage. If you qualify, one of your best options when it comes to health coverage is Medicare, the federal insurance program for those of retirement age or living with disability or serious illness. There are many parts to Medicare, each of which covers a different set of costs. In this article, we’ll be focusing on Medicare Part D, which covers the costs of prescription drugs, and going over some key information that you should know about it.

What Exactly Does Medicare Part D Cover?

As we mentioned above, Medicare Part D covers the costs of prescription drugs–specifically, outpatient prescriptions. In general, this program will cover a wide range of prescription drugs that people with Medicare take, but there are some injected medications that are covered under Part B instead. Things like self-injected insulin for diabetes fall under Part D, but treatments that you would need to receive at a doctor’s office or medical facility, such as dialysis or chemotherapy, fall under Part B.

What Does Medicare Part D NOT Cover?

Medicare Part D does not cover things like over-the-counter medication, such as antacids, cough syrup, or aspirin. There are also some prescription drugs that it does not cover, including medications for hair loss or erectile dysfunction, and prescription vitamins are not on the list either.

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Need help understanding your health insurance options?  Give us a call at 919-303-9690 so that we can help you make sure you are on the RIGHT plan for your situation.