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Medicare Part D helps pay for prescription drug coverage which is not offered in Parts A and B (Original Medicare).

Medicare Part D is optional. You have to enroll to get it.  If you wait to get Part D coverage you you may have to pay a penalty. Only private insurance companies offer Part D.  Plans vary by company, just as Medicare Advantage Plans vary.

Plans are standalone or part of a Medicare Advantage Plan.  When considering different plans, make sure the drugs you take are covered on the plan.  Then compare the main variables:

• How many brand name drugs you take
• Co-Pay
• Deductible
• Monthly premiums