How to Apply for Medicare Part D Benefits

Medicare prescription drug coverage is also known as Medicare Part D and is available to anyone that receives Medicare benefits. It is recommended by the federal government to enroll in a Part D plan to avoid high out-of-pocket expenses associated with prescription drugs. In order to receive prescription drug benefits, you must enroll in a Part D plan, which is only offered through private entities. Two types of Part D plans are available -- Medicare Prescription Drug Plans or Medicare Advantage Plans such as an HMO or PPO. Medicare Prescription Drug plans require Medicare Part A and/or B, while the Medicare Advantage Plans require both Medicare Part A and Part B.

Instructions

• 1

  Call 1-800-633-4227 to get reliable and trustworthy information about drug plans specific to your needs. The adviser will ask you a series of question to get a complete understanding of your medical needs. He will recommend a specific type of plan and average costs to enroll.

• 2

  Visit your local senior center as an alternative to the phone. Senior centers occasionally have social workers on-site to provide you with information and resources for applying to Medicare Part D.

• 3

  Visit the Medicare Plan Finder online (see Resources) and enter the appropriate information in the field for recommended plans in your area. This will give you an idea of the types of coverage available and the associated costs.

• 4

  Enroll in the plan of your choice after your research is complete. The registration can take place online, by phone or by mail, depending on the prescription drug carrier of choice.