How Part D works
Part D is optional outpatient prescription coverage sold by private plans. If you have Original Medicare, you typically add a standalone PDP. Many Medicare Advantage plans include Part D. Covered drugs, pharmacies, tiers, prior authorization, and costs vary by plan.
Creditable coverage and penalties
If you go 63 days or more without creditable prescription coverage after you are eligible, you may face a lifetime late enrollment penalty. Employer, VA, or other coverage may be creditable — confirm with the plan sponsor.
The 2026 drug benefit
Federal law has changed how Part D cost-sharing works in recent years, including an annual out-of-pocket cap for covered Part D drugs. The details of any specific plan still depend on its formulary and pharmacy network. Confirm current rules on Medicare.gov.
Review without oversharing
The Medisure Checkup asks only about the general level of prescription use. It does not request medication names, dosages, or other protected health information. A licensed agent can review specific drugs later in a compliant conversation if you choose to share them.