How Many Medicare Advantage Plans Can You Have?
If you have coverage through a Medicare Advantage plan, you will typically have Medicare’s prescription drug coverage through this plan as well. In fact, in most of the Medicare Advantage plans that are offered, you must get prescription drug coverage through your Medicare Advantage plan.
You can only have one Medicare Advantage plan at a time. However, there may be a time when you need to also join a Medicare Part D prescription drug plan in order to add this type of coverage.
For example, there are some Medicare Private Fee-for-Service (PFFS) plans that do not include prescription drug coverage. In this case, you would need to purchase the coverage separately through Medicare Part D.
Likewise, there are also certain Medicare Medical Savings Account (MSA) plans that don’t automatically include prescription drug coverage. In this case, you would also need to purchase a Medicare Part D plan separately if you wanted to have this coverage.
If you are enrolled in a Medicare Cost Plan that also offers Medicare prescription drug coverage, it is still possible for you to also enroll in a separate Medicare Part D prescription drug coverage plan. In this case, you should decide whether you wish to obtain your drug coverage directly from your Medicare cost plan, or alternatively from a stand-alone Medicare Part D prescription drug coverage plan.