Most of the Hype is for the most part on Medicare A and B “Original Medicare”. No one mentions Part D unless you need it, and by then you will most likely, not like it. Basically you must sign up for a Part D if you are Original Medicare eligible and do not have eligible coverage. “Eligible Coverage” simply means that you have a Drug Prescription Plan. Now this is important, if you have a Drug Prescription Plan (PDP) is has to be a plan that is acceptable by Social Security. Please check with Social Security for the requirements for you PDP plan to be considered as an eligible plan.
Part D is seperate from Part A and Part B, but may be included if you sign up for a Part C. Signing up for a Part D is can be complicated, only because you will have several choices to choose from, such as locations to pick up medications. This is the same as Original Medicare, you will need to sign up with a authorized Medicare Insurance Agent.
This Plan carries a premium, not as big as Part B, and also has a $480 deductible for medications. If you don’t get Part D when you are first eligible, Social Security will implement a fine of 1% times the number of months you did not have coverage.
With all that, I will say, find an Medicare authorized agent to help you navigate through today’s Medicare.