Medicare Prescription Drug Plans

Program Description
Starting January 1, 2006, new Medicare prescription drug coverage will be available to everyone with Medicare. Everyone with Medicare can get this coverage that may help lower prescription drug costs and help protect against higher costs in the future. Medicare Prescription Drug Coverage is insurance. You choose the drug plan and pay a monthly premium.

There are two types of Medicare plans that provide insurance coverage for prescription drugs. There will be prescription drug coverage that is a part of Medicare Advantage Plans and other Medicare Health Plans. You would get all of your Medicare health care through these plans. There will also be Medicare prescription drug coverage that adds coverage to the Original Medicare Plan, and some Medicare Cost Plans and Medicare Private Fee-for-Service Plans. These plans will be offered by insurance companies and other private companies approved by Medicare.

Like other insurance, if you join a plan offering Medicare drug coverage there is a monthly premium. If you have limited income and resources, you may get extra help to cover prescription drugs for little or no cost. The amount of the monthly premium is not affected by your health status or how many prescriptions you need. You will also pay a share of the cost of your prescriptions. All drug plans will have to provide coverage at least as good as the standard coverage, which Medicare has set. However, some plans might also offer more coverage and additional drugs for a higher monthly premium.

If you have limited income and resources, you may be able to get help with drug plan costs.

Starting November 15, 2005, you can enroll in three ways:

If you have other types of health or prescription coverage, for instance, from an employer or union, TRICARE , the Department of Veteran’s Affairs, a special program, or a Medigap policy, read all the materials you get from your insurer or plan provider. Talk to your benefits administrator, insurer, or plan provider before you make any changes to your current coverage.

General Program Requirements
Important points you need to know about the new Medicare prescription drug coverage:

Application Process
For more information, see the Program Contact Information below.

Contact Information (Register above for free access!)

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For more information about this program, please visit:

http://www.medicare.gov/MPDPF/Public/home.asp

Information is also available at the Centers for Medicare and Medicaid Services website:

http://www.cms.hhs.gov

Telephone: 1-800-MEDICARE

To apply for this program, click

http://www.socialsecurity.gov/i1020

Managing Agency
Centers for Medicare & Medicaid Services (CMS)
http://www.hhs.gov/

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