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Medicare Prescription Drug Plan, or Part D

A Medicare Part D plan may offer protection against higher out-of-pocket drug costs.

Speak with a licensed insurance agent.

Schedule a time that's convenient and we'll call you.

Or call us when you're ready at 800-531-9164.
For a TTY device, dial 711.

What's a PDP?

A Prescription Drug Plan, or PDP is a stand-alone plan from a private insurer that helps cover the cost of medications. It's also known as Medicare Part D insurance. Many Medicare Advantage Plans include drug coverage, but Original Medicare doesn't.

Reasons to get a Prescription Drug Plan

Choosing a plan with USAA by your side helps you manage your drug expenses. You can look at each plan's costs and benefits as you compare the coverage we offer from different insurers. We work with the carriers Humana and Aetna.

Personalized Coverage

Compare plans to find one that covers the medications you take regularly. See if the plan includes the pharmacy or mail order service you want to use.

Estimate Drug Costs

Use our prescription drug list tool annually to see what your medications will cost you for each new plan year.

Freedom From Penalties

If you don't sign up for a PDP when first eligible and don't have comparable drug coverage, you may pay a Part D penalty if you enroll later. You'd owe the monthly penalty as long as you have Medicare.

Your prescriptions

Making a list of your medications and keeping it updated helps you find a plan that's right for you. With our easy-to-use tool, you can create or update your personal list.

Keep prescription drug costs affordable.

When looking at drug plans, you'll want to consider your total out-of-pocket costs as well as your premium. PDPs place different drugs into tiers or levels. Here's some information on drug tiers:

Generic Drugs

Many generic drugs are on the lowest tier. Some generics have no copays.

Brand Name

Brand name medications and other less commonly used generics fall into the midrange tiers.

Specialty

A specialty drug may be in a higher tier with the highest copays.

How to get Medicare Part D

Steps to complete How to get Medicare Part D

  1. Enroll in original Medicare.

    You'll get a confirmation letter from the government with the effective date of your coverage, which must include Parts A and B.

  2. Apply for additional coverage.

    If you decide you need additional insurance, explore the available options to find out which coverage meets your needs.

  3. Consider Part D.

    Once you know what's covered by your Medicare plan, consider whether prescription drug coverage would be right for you.

Prescription Drug Plan FAQ

Not necessarily. You can delay getting a Medicare PDP without being subject to a Medicare D penalty during the time you have drug coverage through the U.S. Department of VA or TRICARE.

If you're ready to shop for additional Medicare coverage, we've got you covered.

Compare providers and plans to find the insurance you need.

Need help deciding?

Our licensed insurance agents can take you through your options.


Call

Call

800-531-9164

For TTY devices, dial 711


Hours of operation for USAA Health Solutions:

  • Monday to Friday: : 7:30 a.m. to 6 p.m. CT
  • Saturday and Sunday: : Closed