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Medicare Prescription Drug Plans

Plan Eligibility

Medicare offers prescription drug coverage to everyone with Medicare.  If you decide not to join a Medicare Prescription Drug Plan when you’re first eligible, and you don’t have other creditable prescription drug coverage, or you don’t get extra help, you’ll likely pay a late enrollment penalty.  To get Medicare drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare.  Each plan can vary in cost and drugs covered.

2 ways to get drug coverage:


  1. Medicare Prescription Drug Plan (Part D). These plans (sometimes called “PDPs”) add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.

  2. Medicare Advantage Plans (Part C) (like an HMO or PPO) or other Medicare health plans that offer Medicare prescription drug coverage.  You get all of your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage, and prescription drug coverage (Part D), through these plans.  Medicare Advantage Plans with prescription drug coverage are sometimes called “MA-PDs.” You must have Part A and Part B to join a Medicare Advantage Plan.

Prescription Medication
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How to join a drug plan

Once you choose a Medicare drug plan, here’s how you may be able to join:


Call Cornerstone Medical Care Insurance Solutions at 850-243-CARE (2273) and let us help you find the most cost effective plan.  Then, we'll help you:

  • Enroll on the Medicare Plan Finder or on the plan’s website.

  • Complete a paper enrollment form.

  • Call the plan.

  • Call 1-800-MEDICARE (1-800-633-4227).


When you join a Medicare drug plan, you’ll give your Medicare number and the date your Part A and/or Part B coverage started. This information is on your  Medicare card.

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