How are Prescription Drugs covered under Medicare Plans?

In today’s marketplace, if you have/want to purchase a Medigap plan and want prescription drug coverage, you would need to enroll in a stand-alone Part D plan. These can be set-up during the annual enrollment period (AEP) or if/when you have a special enrollment period (SEP) such as new to Medicare.

Up until a few years ago, Medigap plans did offer prescription coverage under plans E, H, I, and J. Changes were made to the law that forced these plans to be taken off the market and would require you to buy prescription coverage through a stand-alone plan. If you purchased one of these plans before they were removed from the marketplace, you could keep them.


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