Medicare Part D

Prescription Drug Plans

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Prescription Drug Coverage

The Original Medicare program offers prescription drug coverage (Part D) for all enrolled in Medicare. Also, this coverage will immediately provide lower prescription drug costs.  Because of the lower drug prices, Medicare can provide greater access to drugs to prevent complications of diseases and stay well. Furthermore, to get Medicare drug coverage, you must join a plan either managed by the government or an insurance company or private company approved by Medicare.

Part D Cost:  Each plan can be different in cost and coverage. When you join the Medicare drug plan, your monthly payment will usually increase.  Moreover, the plan will vary depending on the income of the policyholder as high earning members will pay more for the policy.  In addition, for those that do not join a Medicare drug plan when first enrolling, they may have to pay a penalty when joining later.  However, for those that have limited funds and resources, Medicare can help to pay for Part D prescription costs.  Finally, if you want to receive more information about extra help with Medicare, prescription drug costs, and how to apply for help, visit www.socialsecurity.gov and then call us for all of the facts and additional information.

Medical Services that are Not Covered by Original Medicare (Parts A and B)

Long Term Care services: In certain instances, Medicare will pay for limited and medically necessary skilled nursing at home or at a facility.

However, Medicare will not pay for the following, but there are certain exceptions:

  • Help to walk, getting in and out of bed, dressing, bathing, toileting, shopping, eating, and taking medicine 
  • Medicare will not pay more than 100 days of skilled nursing facility care during a benefit period following a hospital stay 
  • Homemaker services
  • Private-duty nursing care
  • Routine eye care and eyeglasses 
  • Acupuncture
  • Custodial Care
  • Dental Care
  • Dentures
  • Experimental Procedures
  • Routine hearing examinations and hearing aids
  • Routine Physical Examinations
  • Most Prescription Drugs
  • Convenience Items
  • Immunizations 
  • Routine Foot Care 
  • Services Received Outside of the U.S. 
  • Services Rendered by Relatives
  • Medically Unnecessary Services or Items

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Note: Most of the information provided on this page is taken from resources published by the Centers for Medicare & Medicaid Services (CMS).  The Centers for Medicare & Medicaid Services is the Federal agency responsible for administering Medicare, Medicaid, and several other health-related programs.