Older Adults

Mastering the mystery of Medicare Part D

Sure, it’s complicated -- but if you're a senior it may save you money.

A lot of seniors feel puzzled by the new Medicare prescription drug program. Some are so confused that they may not even sign up. But missing out on the benefits of Medicare Part D could be a mistake. If you're wondering "What's in it for me?," use this step-by-step guide to understand the new plan and help you decide if it's right for you.

What is Medicare Part D all about?
If Medicare D is new to you, start here for a simple explanation of how it came about and what it's for.
Am I eligible? How do I get the coverage?
If you're on Medicare, you're eligible. Find out more about how to qualify.
How much does it cost?
The costs and benefits of Medicare D vary by plan. You can compare the plans in your area online.
What else should I consider as I make my decision?
As you formulate your decision, ask yourself these questions.
When do I sign up? What happens if I miss the deadline?
If you wait too long to sign up, you will pay higher premiums. Find out what a delay will cost you.
How to save on prescription drugs today
One idea: Ask your doctor if less expensive generic drugs could be right for you.
Special rates for low-income Americans
If you meet certain income and resource limits, you may qualify for Extra Help from Medicare.
Print this Medicare D Worksheet and fill it in so you have all your information in one place.
Note: This worksheet requires Adobe Reader to view.
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