Prescription Drug Plans are necessary for all Medicare consumers.

Medicare beneficiaries need to enroll in a Part D (prescription drug plan) when they enroll in original Medicare. If they don't, they may face a penalty, regardless of whether they use prescription drugs or not. The idea is that at some point, they may require prescription drugs, so enrolling when they enroll in Parts A and B is crucial. Additional certification is required to sell Part D plans; however, you can also walk your clients through the process by visiting Medicare.gov, if you do not wish to sell Part D plans.

If you're not AHIP certified, our Part D Plan Finder gives you step by step instructions to enroll your clients in a Part D plan on Medicare.gov​. If you do sell Part D plans, you can submit your applications through the Medicare Center.

Ways to lower your client's costs in the drug coverage gap.

Consider having them switch to generics or other lower-cost drugs, if possible.

Have them choose a plan that offers additional coverage during the gap.

Pharmaceutical companies offer assistance programs for certain drugs. Check to see if their state offers an assistance program through Medicare.gov. Both Medicare and Social Security have programs to offer assistance to those with limited incomes.

National Patient Advocate Foundation and National Organization for Rare Disorders offer assistance.

Have your clients complete a Benefits Checkup.