Prescription Drug Plans

True Medicare Advisors

Medicare Part D is a prescription drug coverage plan. It is offered by private insurance companies and is designed to help cover the cost of prescription drugs for people who are enrolled in Original Medicare (Part A and Part B).

Enrolling in a Part D plan is optional, but it is important to note that if you don’t enroll in a Part D plan when you are first eligible, you may have to pay a penalty if you decide to enroll later.

Each plan has a list of covered drugs, called a formulary, and the plan's cost and coverage can vary depending on the drugs you take and the plan you choose. Some plans may have lower monthly premium but higher copayments for the drugs, others may have higher monthly premium but lower copayments for drugs.

It's important to review the plan's formulary, costs, and coverage rules each year during the open enrollment period (Oct 15 - Dec 7) to make sure it still meets your needs.

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Insurance of the Carolinas provides Medicare coverage to North Carolina, South Carolina, Michigan, and Ohio.Disclaimer: This website is a private website owned by Insurance of the Carolinas and is not affiliated with, endorsed, or authorized by the Social Security Administration, Centers for Medicare and Medicaid Services, or the Department of Health and Human Services. These agencies have not endorsed any content posted on or linked to this site. This page is for people looking for general information about Medicare and looking for information about Supplemental Medicare Insurance, Medicare Advantage plans, or Prescription Drug Plans.
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