If you need prescription drugs in the future all plans still must cover most drugs used by people with medicare i like the extra benefits and lower costs available by getting my health care and prescription drug coverage from one plan and im willing to pick a drug plan with restrictions on what doctors hospitals and other health care providers i can use. If you choose to join a medicare drug plan part d youll pay that premium separately you generally have to pay a portion of the cost for each service original medicare covers theres no limit to what youll pay out of pocket in a year unless you have other insurance like medigap medicaid or employee or union coverage. If you have medicare you can enroll in a part d drug plan during the open enrollment period which begins on october 15 and lasts until december 7 each year with plan selections effective on january 1 if you have a part d drug plan already you can change to a different plan during this enrollment period. Choose this variation if you need comprehensive coverage on the high end but not for routine costs dont compare high deductible plan g options vs regular plan g its not an apples to apples comparison you should compare h d plan g with other h d plan g plans medicare supplement plan k a less comprehensive plan with 50 cost sharing. Medicare part a hospital insurance and or medicare part b medical insurance to join a separate medicare drug plan 2 medicare advantage plan part c or other medicare health plan with drug coverage you get all of your part a part b and drug coverage through these plans remember you must have part a and part b to join a medicare