Common Medicare Part D Mistakes to Avoid

Make sure that your medications are still covered and that the plan still has the lowest out-of-pocket costs for your needs.

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Medicare Part D can be confusing, and it is easy to make mistakes that can cost you money. In this article, we will go over some common Medicare Part D mistakes to avoid.

Not reviewing your plan annually

Medicare Part D plans can change from year to year, and it is important to review your plan annually to make sure that it still meets your needs. 

Not enrolling in a plan during your initial enrollment period

If you do not enroll in a Medicare Part D plan during your initial enrollment period, you may face a late enrollment penalty. This penalty is added to your monthly premium and can add up over time. Make sure to enroll in a plan during your initial enrollment period to avoid this penalty.

Not understanding the coverage gap

The coverage gap, also known as the "donut hole," is a period of time when you are responsible for a larger portion of your prescription drug costs. It is important to understand when you will enter the coverage gap and how it will affect your out-of-pocket costs.

Not applying for extra help

If you have a limited income and resources, you may be eligible for extra help to pay for your Medicare Part D costs. Make sure to apply for extra help if you think you may be eligible.


By avoiding common Medicare Part D mistakes, you can make the most of your coverage and save money on your necessary medications. Make sure to review your plan annually, enroll during your initial enrollment period, understand the coverage gap, and apply for extra help if you are eligible.

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