Are you looking for Medicare Part D prescription drug coverage in Michigan? As of 2016, there are 14 different health care providers offering a total of 25 plans to choose from. All of these plans require that you enroll in Original Medicare Part A and B. Once you’ve done that, you’ll need to obtain, fill out, and submit an application for the Part D plan of your choice. Typically this can be done via the website of the health care firm offering the plan. In some cases, you may need to obtain a traditional paper application form from the company.
In either case, you should apply as soon as possible. Delaying may subject you to late fees, higher monthly premium costs, and possible health audits.
Medicare Part D vs. Medicare Advantage
During the course of your prescription drug research, you may have come across the fact that Medicare Advantage (also called Medicare Part C) offers coverage as well. Advantage functions similarly to Part D in that both programs are provided by third-party health care companies under the direction of Medicare itself. Part D typically offers more extensive prescription drug coverage than Advantage, which is effectively a replacement for Original Medicare Part A and B along with some plan-specific additions.
Costs, coverage options, and availability of prescription drugs vary widely between Advantage and Part D plans, so it’s important to do enough research to determine which is best for you. It’s also important to note that some Advantage plans are incompatible with Part D. If you try to enroll in both simultaneously, your Advantage benefits will become invalid and you will revert back to Original Medicare Part A and Part B. Consult with your providers before you make any policy or coverage changes.
When to sign up
Medicare offers three separate Part D enrollment periods, though it is highly recommended that you take advantage of the first period in order to avoid possible late fees, higher premium costs, and health audits. The Initial Enrollment Period begins three months prior to your Original Medicare eligibility date and concludes four months after this date. If you miss this seven month window, you’ll get another opportunity to sign up for Part D during the Annual Election Period that begins on October 15th. This period concludes on December 7th of each calendar year.
If you miss both of these periods, you may qualify to sign up during a Special Election Period. These periods are usually provided by Medicare as a courtesy to those with extenuating circumstances such as the loss of previous health insurance. Contact Medicare directly at 1-800-633-4227 to see if you qualify and to obtain the registration dates.
What are my choices?
The Medicare Part D services listed in the preceding table are provided in all Michigan counties. Your county of residence may provide additional plans and services. Contact your local Medicare office for additional details.
Plans are subject to change as contracts are finalized.
Includes contracts/plans as of April 22, 2016. The data does not reflect information for employer-sponsored plans, Part B-only plans, or plans not offering a Part D drug benefit.