People who already have Medicare can avail benefits of pay for self-administered prescription drugs if they take up Medicare’s Part D, which provides prescription drug coverage. Beneficiaries need to have Part A and/or Part B to take advantage of Medicare prescription drug coverage. You will have to seek assistance from a private medical insurance agency to obtain Part D since there is no public option as is the case with Medicare’s Part A and Part B.
You can get benefits of Part D by joining a Medicare plan that includes prescription drug coverage. A private insurance company can help fulfill this by adding drug coverage to your existing Medicare Part A and/or Part B. This is referred to as a standalone Medicare Prescription Drug Plan (PDP). Or, they can help you join Part C of the national health program that is known for covering the medical insurance benefits of both hospital insurance (Part A) and medical insurance (Part B) along with the desired prescription drug coverage, which comes under the ambit of Part D. It is important to know that you must have Medicare’s Part A and Part B to get Part C, and to obtain Part D, you need to have either Part A or Part B.
People who are thinking of adding Part D medical insurance in Oceanside should know that a person will have to pay for late enrollment penalty if he/she does not enroll in Part D or other creditable prescription drug coverage for any continuous period of 63 days or more after their Initial Enrollment Period ends.
To get better clarity on national medical insurance plans, consult certified insurance brokers such as Heather Gray and Justus Gray.
JustUsInsurance.com / 877-777-7055
