Medicare Part D is prescription drug coverage insurance. Prescription drug plans function similarly to employer or group coverage with the exception of the coverage gap or “donut hole,” which is part of every Medicare Prescription Drug Plan.
The coverage gap is a change in the plan’s coverage once specific costs have been reached by the beneficiary and the insurance company. Generally, more expensive name brand medications cause a person to enter the coverage gap.
"We do not offer every plan available in your area. Currently we represent 13 organizations which offer 405 products in your area. Please contact
Medicare.gov
, 1‑800‑MEDICARE, or your local State Health Insurance Program to get information on all of your options."
Participating sales agencies represent Medicare Advantage [HMO, PPO, PFFS, and PDP] organizations that are contracted with Medicare. Enrollment depends on the plan’s contract renewal.”
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