6 things to look for when choosing Medicare drug coverage

I take specific drugs.

Look at drug plans that include your drugs on their

 (a list of prescription drugs covered by a drug plan). Then, compare costs.

I want extra protection from high prescription drug costs.

Look at plans offering coverage in the

, and then check with those plans to make sure they cover your drugs in the gap.

I want my drug expenses to be balanced throughout the year.
I take a lot of generic prescriptions.

Look at plans with “

” that charge you nothing or low copayments for generic prescriptions.

I don't have many drug costs now, but I want coverage for peace of mind and to avoid future penalties.

Look at plans with a low monthly

 for drug coverage. If you need prescriptions 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 I’m willing to accept the plan’s restrictions on what doctors, hospitals, and other health care providers I can use.