Is prescription drug coverage included in AARP Medicare Supplement Insurance Plans?

Prescription drug coverage is not included in AARP Medicare Supplement Insurance Plans, which is why the answer indicating that it must be purchased separately is accurate. While Medicare Supplement Plans provide coverage for certain out-of-pocket costs not covered by Original Medicare, such as copayments, coinsurance, and deductibles, they do not include prescription drug coverage.

Individuals who wish to receive prescription drug benefits must enroll in a separate Medicare Part D plan to obtain this coverage. This is an important distinction as it directly impacts how beneficiaries coordinate their healthcare expenses and manage their medication costs. Understanding this separation allows individuals to make informed choices when selecting their health insurance plans and ensures they consider both their medical and prescription needs.