Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
No. In today's marketplace, if you have/want to purchase a Medigap plan and want prescription drug coverage, you would need to enroll in a stand-alone Part D plan. These can be set-up during the annual enrollment period (AEP) or if/when you have a special enrollment period (SEP) such as new to Medicare.
Up until a few years ago, Medigap plans did offer prescription coverage under plans E, H, I, and J. Changes were made to the law that forced these plans to be taken off the market and would require you to buy prescription coverage through a stand-alone plan. If you purchased one of these plans before they were removed from the marketplace, you could keep them.
Please feel free to contact me for help and if you have any other questions. Thanks very much.
No, by law, Medigap Plans are not allowed to offer Prescription drug coverage within the plan. You would want to get Part D to cover prescription drugs. It actually works out better (for most people) that the plans are different. The reason is our medication needs can change from year to year so by having a Part D it allows the individual to change the prescription plan without changing their Medigap Plan.
Independent Agent & Medicare Supplement Specialist, reMEDIGAP, USA
Medigap does not include prescription drug coverage. As Bill noted, you would need to purchase a separate Part D prescription plan. It's best to get the Part D plan when you are in your initial Open Enrollment Period. If you do not have continuous creditable drug coverage, you will be penalized and charged a fee on top of your Part D premium.
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Up until a few years ago, Medigap plans did offer prescription coverage under plans E, H, I, and J. Changes were made to the law that forced these plans to be taken off the market and would require you to buy prescription coverage through a stand-alone plan. If you purchased one of these plans before they were removed from the marketplace, you could keep them.
Please feel free to contact me for help and if you have any other questions. Thanks very much.