There are 2 ways to get Medicare prescription drug coverage:
1.Medicare Prescription Drug Plans.
These plans (sometimes called “PDPs”) add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.
2.Medicare Advantage Plans (like an HMO or PPO) or other Medicare health plans that offer Medicare prescription drug coverage.
You get all of your Part A and Part B coverage, and prescription drug coverage (Part D), through these plans.
Medicare Advantage Plans with prescription drug coverage are sometimes called “MAPDs.”
You must have Part A and Part B to join a Medicare Advantage Plan.
In either case, you must live in the service area of the Medicare drug plan you want to join.