Medicare's drug program can be confusing for seniors, with complicated plans and frequent changes. The program has two main types of drug coverage: stand-alone plans and Medicare Advantage plans that include drug coverage. Stand-alone plans typically have a monthly premium, while Advantage plans usually do not.

These plans operate in phases, which must be navigated in order. Details about the phases, including the first phase, are available.

Further information about Medicare Part D and how the plans work is available, including details about when plans can be changed and the differences between stand-alone and Advantage plans.