Expert Guidance for Medicare Part D Plans from Devercare

Common Questions About Medicare Prescription Drug Plans

We understand that Medicare prescription drug plans can feel confusing, so we’re here to address some of the most common questions:

What is Medicare Part D?

Medicare Part D is a prescription drug coverage plan offered by private insurers like Devercare, approved by It helps cover the costs of medications for anyone enrolled in Medicare.

Who is eligible for Medicare Part D?

If you have Medicare Part A and/or Part B and live within the service area of a Part D plan, you’re eligible.

How do I enroll in Medicare prescription drug plans?

You can enroll during your Initial Enrollment Period or during the Annual Enrollment Period from October 15 to December 7.

What does Medicare Part D cover?  

Part D covers a variety of prescription drugs, including generic and brand-name medications. Each plan has its own formulary (list of covered drugs) with medications grouped into cost tiers.

What if my medications aren’t covered?

Discuss alternatives with your doctor.

Request an exception from your plan.

Switch to a different Medicare Part D plan during the enrollment period.

What happens if I don’t enroll when I am first eligible?

Without other creditable coverage, you may face a permanent late enrollment penalty added to your monthly premium.

Can I get help paying for Medicare Part D?

If you have limited income and resources, you may qualify for Extra Help, which reduces premiums, deductibles, and copayments.

Do I need Medicare Part D if I already have drug coverage?

If your current coverage is creditable (as good or better than Part D), you may not need to enroll. Confirm this with your plan to avoid penalties later.

At Devercare, we’re here to simplify the process and ensure you find the best Medicare prescription drug plans for your needs