Medicare Advantage and Prescription Drug Coverage
Learn more about your Medicare options
Part D
Many Americans rely on prescription drugs to maintain their health and well-being. It’s important to consider whether you need a plan with prescription drug coverage.
Medicare Advantage Prescription Drug (MAPD) are plans that combine medical coverage AND prescription drug coverage. Prescription Drug coverage (Part D) helps cover the cost of prescription drugs. To receive drug coverage, you have to purchase a Prescription Drug Plan (PDP) to add to your Original Medicare or enroll in a Medicare Advantage plan with Part D prescription drug coverage (MAPD).
Prescription medications keep your health on track! WellCare MAPD plans save time and money with our mail-order pharmacy service with preferred cost-sharing. You can have your medications delivered right to your home, plus you may pay as little as $0 for a 90-day supply of many generic medications.
Deductible
The amount you pay before a plan covers your prescription drug costs, if applicable.
Initial Coverage
During this stage, the plan pays its share of the cost, and you pay your share. You are in this stage until your payments and the plan’s payments total $4,130 for the year.
Coverage Gap
When your drug costs and plan payments for the year reach $4,130, you enter the Coverage Gap Stage, commonly known as the "Donut Hole". In this stage, you will pay 25% of the cost for covered generic and brand-name drugs until your out-of-pocket costs for the year reach $6,550.
Catastrophic Coverage
After your out-of-pocket costs for prescription drugs reach $6,550, the plan will pay most of your drug costs for the rest of the year. You will pay either 5% of the cost of the drug, or a co-pay of $3.70 for generic drugs or $9.20 for all other drugs, whichever is greater.
