This article is about Medicare Part D plans . It will discuss the reason for the plan, who provides the coverage and a little bit about the costs.

Medicare Part D covers prescriptions. It is drug coverage for people on Medicare. These plans are not administered by the government. Instead, private insurers administer Medicare Part D plans. The government must approve a private insurance company before it can provide Medicare drug plans.

If you have either, or both, Medicare Part A and Part B, then you are a Medicare recipient. Alternatively, if you have enrolled in Part C, you may be eligible for Medicare Part D. You may have drug coverage as part of a part C plan. If this is the case, you cannot enroll in a Part D plan.

All plans are required to provide a standard level of coverage mandated by Medicare. However, the actual costs of the coverage vary by Medicare drug plan. The costs associated with a Part D plan are the monthly premium, the yearly deductible, co-insurance and the coverage gap.

It is advisable to enroll in a Medicare Drug plan as soon as possible. If you wait, it will cost you in terms of higher monthly premiums.

Medicare Part D premiums do vary from plan to plan. These fees are in addition to the Part B premium. In the case of Medicare C, it may not seem like you are paying an additional cost. Actually, the part D premium is included in the part C premium.

Each year you must pay a certain amount for your prescriptions before coverage begins. This is known as the yearly deductible. Some plans may have no yearly deductible, but they cost more in premiums.

When you are at the drug store, you may be asked to pay for part of the prescription. This is called co-pay or co-insurance.

At some point you coverage stops during the year. This is known as the coverage gap. This occurs when you hit a certain dollar limit. At this point, you will have to pay for all of your medication until you reach a yearly out-of-pocket limit. Then, the plan begins paying again.

To recap, Medicare D plans cover prescription drugs. Government approved, private insurers provide the plans. If you have Medicare , or are eligible for Medicare, you can get Medicare D. The costs you need to compare between plans are the monthly premiums, annual deductible and co-insurance.

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