Medicare Part D (Prescription Drug Plans)
Prescription medications can be a significant part of your healthcare needs—and your healthcare costs. Medicare Part D helps cover those costs, offering peace of mind and protection from unexpected pharmacy bills.
At My Silver Link, we’ll help you understand your options, check your medications, and choose a plan that truly fits.
Is Part D included with Original Medicare?
No. You need to enroll in a separate Part D plan if you want drug coverage.
How do I know if my medications are covered?
Each plan has a list of covered drugs (called a formulary). We’ll help you match your prescriptions to the plans that cover them affordably.
What if I don’t take medications now?
It’s still smart to enroll in a low-cost plan to avoid penalties and have protection if your needs change.
Can I switch plans later?
Yes. You can review and change your plan during the Annual Enrollment Period (Oct 15–Dec 7) each year.
How much will my prescriptions cost?
Costs vary based on the plan, the pharmacy you use, and whether the drug is generic or brand-name. We’ll help you estimate your costs ahead of time.
Medication Coverage That Makes Sense
What Is Medicare Part D?
- Medicare Part D is prescription drug coverage offered by private insurance companies approved by Medicare. It helps pay for:
- Common prescriptions you take regularly
- Short-term or one-time medications
- Brand-name and generic drugs
You can get Part D in two ways:
- As part of a Medicare Advantage plan that includes drug coverage
- As a standalone plan if you have Original Medicare or a Medigap policy
Why Enroll in a Part D Plan?
Even if you don’t take prescriptions now, enrolling in a Part D plan when you're first eligible helps you avoid late enrollment penalties later.
People choose Part D plans for:
- Lower drug costs
- Access to a broad pharmacy network
- Formularies that cover their medications
- Predictable co-pays and coverage for major needs
We’ll help you compare plans based on your actual prescriptions—not guesswork.