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Prescription Drug Plans

New Jersey Part D Medicare Plans & Prescription Drug Coverage

Beginning January 1, 2006, new Medicare prescription drug plans were made available to people with Medicare. Insurance companies and other private companies work with Medicare to offer these drug plans. The plans vary in where they are offered, what prescription drugs they cover, how much you have to pay, and which pharmacies you can use.

When you first become eligible for Medicare, you have three months to enroll in a Medicare prescription drug plan.

In Original Medicare, if you don’t already have creditable prescription drug coverage (for example, from a current or former employer or union) and you would like Medicare prescription drug coverage, you must join a Medicare Prescription Drug Plan. These plans are available through private companies under contract with Medicare. If you don’t currently have creditable prescription drug coverage, you should think about joining a Medicare Prescription Drug Plan as soon as you’re eligible. If you don’t join a Medicare Prescription Drug Plan when you’re first eligible and you decide to join later, you may have to pay a late enrollment penalty.

If you have creditable prescription drug coverage from an employer or union, call your employer or union’s benefits administrator before you make any changes to your coverage. Your employer or union plan will tell you each year if your prescription drug coverage is creditable prescription drug coverage. If you drop your employer or union coverage, you may not be able to get it back. You also may not be able to drop your employer or union drug coverage without also dropping your employer or union health (doctor and hospital) coverage. If you drop coverage for yourself, you may also have to drop coverage for your spouse and dependants.

Note: the Medicare Prescription Drug Program follows the same enrollment timeframe as Medicare Part B. This means people have a seven-month enrollment period, which begins three months prior to the month they turn 65 and ends three months after their birthday month.

Sign up later on, and you will be subject to the 1 percent per month late enrollment fee.

The list below contains the highest rated Medicare Part D prescription drug plans in the state of New Jersey. It is for informational purposes only and some listings may be inaccurate or missing. The list was provided by the Centers for Medicare and Medicaid Services (CMS), but due to the variance in plans based on county, city, and region, some options may not be available in your location.