If you have purchased a Medicare Supplement Plan or you have chosen to Keep Original Medicare Part A and Part B, you will want to purchase a stand-alone Prescription Drug Plan (PDP). If you have chosen a Medicare Advantage Plan which includes Prescription Drug Coverage, then you don't need to purchase a stand-alone Prescription Drug Plan (PDP), but you still may benefit from reading this section.

If you think this section on Prescription Drug Plans (PDP) doesn't apply to you because you aren't taking any Medications right now, you might want to re-think that idea. Even the healthiest People have Medications prescribed to them by doctors. And often, the Prescription Drugs that people take are a significant portion of their Total Medical Expenses in a given year.

The Government and Medicare know this, that is why they encourage you to enroll in a Prescription Drug Plan as soon as you are eligible, OR they charge a penalty to your Premium when you ultimately sign up at a later time.

Discuss your Prescription Drug Coverage with an Experienced, Independent Medicare Agent, who can help you to understand the different plan options.