
Summary
- How do I buy drugs?
- What about my spouse?
- What if I have more than one residence?
- What if I'm out-of-state and need to buy drugs?
- What if I'm in a nursing home?
- How Does Part D Work With Other Insurance?
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How Do I Buy Drugs?
Present your prescription drug card when you purchase a drug at a pharmacy, or give the number to the company when ordering by mail.
Keep in mind that drugs purchased outside of the United States are not covered and do not count with respect to drug coverage benchmarks such as the beginning of the catastrophic limit.
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Drugs 101: Everything You Need To Know Drugs and Treatments: Your Legal RightsWhat About My Spouse?
Medicare drug coverage is individual. Each of you purchase the coverage separately. Your drug expenses are also calculated separately.
The only time a spouse enters the picture with respect to Medicare Part D is:
- If you have drug coverage equivalent to Part D through a spouse's coverage.
- You have limited income and assets and apply for assistance paying for drugs.
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Medicare Part D: The "Extra Help" Program.If You Have More Than One Residence
Most regional Medicare plans only cover drug purchases made in the region.
Look for a national plan that covers you in each place in which you live.
What If I Am Out Of State And Need To Refill A Prescription?
Check to see if one of your network pharmacies is a national chain.
If not, you can get medicine from an out-of-network pharmacy in emergency situations. Get a receipt and submit it for reimbursement.
What If I Am In A Nursing Home?
If you are in a nursing home:
- If you receive Medicaid assistance for the nursing home, you automatically qualify for the Extra Help program to pay premiums.
- If you don't receive Medicaid: you can select a Medicare private drug plan that works with your nursing home.
In any event, look for a plan in which the pharmacy used by the nursing home is in the plan you choose.
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Medicaid