Part D

Medicare Prescription Drug (Part D) plans

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Why is a Medicare Part D plan important?

Original Medicare usually only covers drugs administered during hospital or doctor visits. If you take regular medications, you may want to consider a Medicare Prescription Drug (Part D) plan. There are two ways to have Part D coverage:

  • You can enroll in a standalone Part D plan, also known as a PDP plan. You can have a PDP plan in addition to Original Medicare, a Medicare Supplement (Medigap) plan, or a Medicare Advantage Private Fee-For-Service plan (that does not have drug coverage).
  • You can enroll in a Medicare Advantage plan that includes Part D coverage.
  • Penalties for not participating in Part D when first eligible are significant. Talk to the Medicare Caddy about these compliance guidelines.
  • The Annual Enrollment Period is the key time to check the cost efficiency of a PDP.  This occurs every year at the same time:  October 15th thru December 7th.  Call our office to arrange for an appointment. 

What does Medicare Part D cover?

Medicare Part D plans offer coverage for common generic and brand name prescription drugs. The Federal government sets guidelines for what medications Medicare Part D plans must cover. However, the prescription drugs covered vary from plan to plan. Make sure your prescriptions are covered in each plan’s list of covered medications.

What We Offer

At Healthwise Rapid City
  • Part A
  • Part B
  • Part D
  • Medigap Policies
  • Part C
  • Medicare Cost Plan

Part A

Medicare Part A (Hospital Insurance): Part A coverage is a premium-free program for participants with enough earned credits based on their own work history or that of a spouse at least 62 years of age (when applicable) as determined by the Social Security Administration (SSA).

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Part B

(Outpatient and Medical Insurance): Part B coverage requires a monthly premium contribution. With limited exception, enrollment is required for members who are retired or who have lost Current Employment Status and are eligible for Medicare.

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Part D

(Prescription Drug Insurance): Part D coverage is not required for plan participants enrolled in any of the state programs (i.e., CIP, TRIP, LGHP or State). Medicare Part D coverage requires a monthly premium, unless the participant qualifies for extra-help assistance.

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Medigap Policies

Medigap is Medicare Supplement Insurance that helps fill “gaps” in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like:
– Copayments
– Coinsurance
– Deductibles

Our Approach

For everyday care or life-changing care, you can count on us and loved.


You can count on us to keep you and your loved ones safe and healthy.


Part C

 A Medicare Advantage Plan (like an HMO or PPO) is another Medicare health plan choice you may have as part of Medicare. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare.

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Medicare Cost Plan

A Medicare Cost Plan is similar to a Medicare Advantage plan in that enrollees have access to a network of doctors & hospitals and may have additional benefits beyond what’s provided by Original Medicare. But unlike Medicare Advantage plans, a cost plan offers policyholders the option of receiving coverage outside of the network, in which case the Medicare-covered services are paid for through Original Medicare. Cost plan enrollees may decide to return to Original Medicare at any time, since a cost plan works in tandem with (as opposed to a replacement for) Original Medicare. Cost plan coverage is popular in our region, and it should be of interest to all ages of Medicare beneficiaries.

Medicare Caddy

Let the Medicare Caddy help you today. Call us to set up an appointment.

Our Team

Dean Henzlik, CSA
Your Medicare Caddy.