Prescription medications are an essential part of staying healthy, but Original Medicare (Parts A and B) does not cover most outpatient prescription drugs. That’s why Medicare Part D exists — to help reduce the cost of your medications and protect you from high out-of-pocket expenses.

Guardian Health Network helps you choose a Part D plan that covers your prescriptions and fits your budget.

What Is Medicare Part D?

Medicare Part D is a standalone prescription drug plan offered by private insurers. It’s available to anyone enrolled in Medicare Part A and/or Part B and is designed to help cover the cost of both brand-name and generic medications.

Each plan has a formulary — a list of covered drugs — and may include different:

• Monthly premiums

• Deductibles

• Copayments or coinsurance

• Pharmacy networks

It’s important to choose a plan that includes the medications you take regularly and offers favorable pricing at your preferred pharmacy.

Do I Really Need Part D?

Even if you don’t take many prescriptions now, enrolling in a Part D plan when you’re first eligible helps you avoid a late enrollment penalty. Plus, it ensures you’re covered in case your medication needs change.

Part D is essential if you:

• Take ongoing prescriptions for chronic conditions

• Want protection from high drug costs

• Need access to a wide pharmacy network

• Want to avoid future penalties

How Guardian Health Network Can Help

With so many drug plans available — and so many fine-print details — it can be tough to know which one is right. That’s where we come in. Our advisors help you:

• Review your current prescriptions

• Compare plans in your area

• Understand your estimated costs

• Enroll with confidence

You’ll never pay extra to work with us — and we’ll continue to support you as your needs evolve year to year.