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What is Medicare Part D?

  • Medicare with Melissa

Medicare Part D is your prescription drug coverage.

Your prescription drug coverage is provided by private insurance companies and requires a monthly premium. The plan covers retail prescription drugs that you get from a pharmacy. A Medicare Part D prescription drug plan can help you drastically reduce out-of-pocket expenses at the pharmacy. 

One of the most common questions we hear is, “I don’t take any prescriptions. Why do I need to purchase a Part D plan?” The answer is simple: If you don’t enroll while eligible for Part D and don’t hold credible Part D coverage, Medicare will charge a 1% late enrollment penalty each month until you do enroll. This would be applied to the future plan chosen and would be applicable to the average monthly premium for that year. Monthly premiums can also vary based on household income.

Medicare Part D Rx Plan coverage and costs vary by the company providing the coverage. Each company has a formulary of covered drugs that are listed into different “tiers.” The level tier of the drug will determine the cost; the lower the tier of the drug, the lower the cost.

Learn more about Part D / Prescription Drug Plans. 

Learn More: Who Qualifies for Medicare Part D?

People Also Read: I Have Drug Coverage Through My Employer, Do I Need a Medicare Part D Plan Too?

Meet Melissa MacCalla

Medicare is not simple and can be hard, frustrating, and downright confusing for most. I love when I get someone on the phone and I am given the opportunity to explain the difference in plans to them and have Medicare make sense. I enjoy talking to clients year after year, hearing about their families growing or them asking about mine.


Oh my gosh!! I was so confused about the Medicare Supplement process. I am turning 65 soon and am retired and have always had insurance thru my former employer. I didn’t know a thing about going on Medicare and was struggling to sort it all out.

A friend of mine recommended contacting Senior HealthCare Solutions, so I did. Melissa was FANTASTIC!! She was professional, responsive, caring and friendly. She explained the steps I needed to take, gathered my information, helped me choose good plans for MY specific needs and took care of my applications over the phone. 1-2-3, eesy-peesy and I was done!! And it didn’t cost me a DIME!!! WOW!!! I HIGHLY recommend Senior Healthcare Solutions for anyone who’s overwhelmed with making the right choices with Medicare Supplemental Insurance and Rx coverage. It’ll take a load off your mind!

Janice W.

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