What is a key feature of Medicare Part D?

Medicare Part D is a key component of the Medicare program that provides prescription drug coverage. One of its main features is that it must be purchased separately from other parts of Medicare, such as Part A (hospital insurance) and Part B (medical insurance). While Medicare Part A and Part B are typically available to individuals as part of their standard enrollment in Medicare, Part D requires beneficiaries to enroll in either a standalone prescription drug plan or a Medicare Advantage plan that includes drug coverage, thus making it a distinct purchase rather than an automatic inclusion.

Other options address various misconceptions about Medicare Part D. For example, dental coverage is not included in Part D plans, as dental services are typically covered under separate policies. Additionally, while Medicare is primarily designed for seniors aged 65 and older, it is also available to some younger individuals with disabilities, thereby broadening its availability beyond just seniors.