How can a Medicare-eligible individual obtain prescription drug coverage apart from an MA plan?

Medicare-eligible individuals can obtain prescription drug coverage through a standalone Medicare prescription drug plan (PDP). PDPs are specifically designed to offer coverage for medications and are available to those who are enrolled in either Original Medicare (Parts A and B) or a Medicare Advantage (MA) plan that does not include drug coverage.

These plans are offered by private insurance companies approved by Medicare and provide a variety of coverage options based on individual needs and medication requirements. Enrolling in a PDP allows beneficiaries to have dedicated coverage for their necessary prescriptions, which is essential considering that Original Medicare does not provide prescription drug benefits.

While there are other options like supplemental insurance plans, they often do not cover prescription drugs directly. Medicaid may provide drug coverage for those who qualify based on income and other factors, but it is distinct from Medicare. Short-term healthcare plans typically do not fulfill the requirements for providing comprehensive drug coverage for Medicare beneficiaries. Thus, enrolling in a standalone PDP is the most appropriate and effective way for Medicare-eligible individuals to secure prescription drug coverage if they are not enrolled in an MA plan that includes this benefit.