Answer:

If your Part C plan has drug coverage, then you cannot purchase a Part D plan as additional drug coverage. If you have a Part C plan without drug coverage, you may be able to add a drug plan either by getting a standalone Part D plan or by switching to a Part C plan with drug coverage.

If you have Part C without drug coverage and want drug coverage, you should contact your insurer before buying a standalone Part D plan to see what your options are. It may be the most cost-effective to change to a Part D plan with drug coverage rather than adding standalone drug coverage, or you may find that dropping Part C and going to Original Medicare with a Part D plan is best.

TIP: In most cases having a Perscription Drug Plan (Part D) means being enrolled in both Original Medicare and a standalone drug plan, or being enrolled in a Medicare Advantage (Part C) plan with drug coverage (many Part C plans come bundled with Part D drug coverage). Make sure to check out these more common options first if you are considering adding a standalone Part D drug plan to a Part C plan without drug coverage.

Can't find the answer? Ask your question here