Medicare Part D is a stand alone prescription drug plan. You should pick a plan based on your current medications and run them through the Medicare drug formulary finder to locate the lowest overall cost plan.
Some plans have deductibles ($325 in 2013) for brand name drugs, some don't.
Usually the plans with deductibles have lower premiums and lower total costs.
After the deductible (or not) you pay a copay for drugs on the formulary. The carrier pays the balance until you get to the donut hole.
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Some plans have deductibles ($325 in 2013) for brand name drugs, some don't.
Usually the plans with deductibles have lower premiums and lower total costs.
After the deductible (or not) you pay a copay for drugs on the formulary. The carrier pays the balance until you get to the donut hole.