How Do I Sign Up for Medicare Part D and Medigap?
Because choosing your coverage should feel like checking a box—not solving a riddle.
First, make sure you’re enrolled in Original Medicare (Parts A & B).
Once that’s done, you can shop for Part D (drug coverage) and Medigap (Medicare Supplement) plans on the official Medicare website: Medicare.gov/plan-compare
These plans come from private insurance companies, but they follow federal rules—which means you can compare them side-by-side and know what you’re getting.
Choosing a Medicare Part D Plan
Part D covers prescription drugs. But not all plans cover the same medications or charge the same prices.
Before you enroll, check:
- Are my medications covered?
Look up your prescriptions in the plan’s formulary (the list of covered drugs). - What tier are they on?
Drugs are grouped by “tiers.” Lower tiers = lower copays. - What’s the monthly premium?
Each plan sets its own price. - Is there a deductible?
Some plans require you to pay a certain amount before coverage starts. - How much will I pay at the pharmacy?
Check both your local and mail-order options. Generic vs. brand-name costs can vary.
💡 Tip: Call the plan directly and confirm your current prescriptions are covered at the prices you expect—especially if you take multiple medications.
Choosing a Medigap Plan (Medicare Supplement)
Medigap helps pay for what Original Medicare doesn’t—things like deductibles, copays, and coinsurance.
There are 10 standardized Medigap plans (labeled A through N). Each one covers a specific set of costs—and the benefits are the same no matter which company sells it.
Compare Medigap Plans on Medicare.gov
When comparing plans, ask:
- How much is the monthly premium?
Prices can vary by company even if coverage is identical. - Is there a limit on out-of-pocket costs?
Some Medigap plans include built-in caps to help keep your costs predictable.
Timing matters:
If you apply more than 6 months after your Part B starts, you could face higher premiums—or be denied based on your health.
During your Medigap Open Enrollment Period (the first 6 months after your Part B begins), you’re guaranteed coverage at the standard rate—no medical questions asked.
Using Your New Coverage
Once you’ve enrolled:
- You’ll receive a Part D card and a Medigap (Supplement) card in the mail.
- Keep both with your red, white, and blue Medicare card.
Here’s how to use them:
- Doctor visits: Bring your Medicare card and your Medigap card.
- Pharmacy trips: Bring your Part D card.
That’s it—you’re covered.
Keep exploring
- Medicare Part D, Made Simple: Your Guide to Stand-Alone Prescription Drug Plans (PDPs)
- Medigap Made Simple: Zero-Jargon Guide to Medicare Supplement Plans
- Estimate Your Medicare Costs with ALEX®
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We work with multiple Medicare plan carriers including:
- Aetna Inc.
- Devoted Health, Inc.
- Humana Inc.
- Mutual of Omaha Insurance Company
Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period. Enrollment depends on plan’s contract renewal with Medicare.
Your privacy is important to us. We won't share your contact information with anyone. By providing your email address, you agree that a sales representative may contact you and consent to receiving marketing messages. No obligation.
Medicare Advantage and Part D plans are insured by a Medicare Advantage HMO, PPO and PFFS organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment depends on plan’s contract renewal with Medicare.
We do not offer every plan available in your area. Currently we represent 4 organizations which offer 1056 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.
Not all carriers offer these benefits. Plans vary by region and state. Limitations and exclusions may apply.
Every year, Medicare evaluates Medicare Advantage and Part D plans based on a 5-star rating system.
Estimated annual costs are based on the usage you provided + yearly premiums. Medicare Advantage and Medicare Supplement plan calculations include the standard Part B premium + any Part B premium reductions. Actual annual costs depend on your usage, along with your Part B premium and the date you enroll.
Medicare Supplement insurance is generally available to individuals age 65 and older enrolled in Medicare Parts A and B. Availability for beneficiaries under age 65 who qualify for Medicare due to disability or End Stage Renal Disease varies by state. Benefits, eligibility, and premiums may vary by state.
Jellyvision does not discriminate based on race, color, national origin, age, disability, or sex. Calling this number will direct you to a licensed insurance agent. No obligation to enroll.
The Jellyvision Lab, Inc. All rights reserved. Jellyvision is not affiliated with or endorsed by any government entity. This is an advertisement for insurance.