What does Medicare Part D cover?

• A. Covers hospital inpatient services.
• B. Covers prescription drugs.
• C. Provides dental and vision benefits.
• D. Is a supplemental plan for Medicare costs.

Answer: (B)

Medicare Part D provides prescription drug coverage for people enrolled in Medicare. It’s optional and offered through private plans approved by Medicare. To get Part D, you need Part A or Part B, and you enroll in a standalone prescription drug plan or a Medicare Advantage plan that includes drug coverage. Benefits vary by plan and depend on the formulary (which drugs are covered), drug tiers, and cost-sharing (monthly premium, potential deductible, and copays or coinsurance). This coverage applies only to prescription medications, not to hospital inpatient services (that’s Part A) or routine dental and vision services. It isn’t a Medigap supplemental plan, which are separate policies that help with other out-of-pocket costs. When you enroll late, penalties can increase premiums.