How to obtain Prescription Drug coverage

There are two different ways to get prescription drug coverage. The first is if you choose to take original medicare and add a medicare Supplement you will also need to purchase a stand-alone prescription drug plan. The second option is to opt into a Medicare Advantage plan that has built in prescription drug coverage. Prescription Drug Plans are optional; however, if you do not sign up for one when you are first eligible then you will incur a penalty if you decide to sign up later on. If you don’t take any prescription medications right now, it might be a good idea to look at a Prescription Drug Plan now anyway. 

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