Drug coverage -- via Advantage or Part D. Tips&Traps.   (Whether or not receiving benefits subsidized by HPInc or HPE.)

Menu of Benefits Enrollment pages: Enrollment Menu 

Based on reports from HP Alumni Association members who have completed enrollment. Join forums: https://www.hpalumni.org  Not officially endorsed or supported. Question? Email us: info@hpalumni.org  (Updated Nov 28, 2025)

You can choose to enroll in either a Medicare Advantage drug plan (MA-PD) that includes drug coverage and all other Medicare-covered benefits -- or in a stand-alone prescription drug plan (PDP) to supplement traditional Medicare..

Why are some Part D plans free? The government is paying an average of $1,710/year for your Part D coverage.

Heads up! For drug coverage, use the insurer's "formulary" database. Other sources, such as sales agency databases are not reliable -- fragile, constantly-changing, second- or third-hand information.

Original Medicare: You choose among stand-alone prescription drug plans (Part D) offered in your county. Often have introductory prices to capture market share. Member reports: $0.40/month Wellcare Part D went up to $17.40/month. A Humana Part D went up dramatically -- next year, they had a new very-low-cost Part D plan with a different name and plan number.

Advantage: Some Advantage plans do not include drug coverage. Some may charge a drug deductible.

Next step: Menu of key Enrollment issues: https://www.hpalumni.org/enroll-menu

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