Prescription drug or pharmacy coverage is an important part of your health insurance. When you’re eligible for Medicare, you can receive prescription drug benefits in a variety of ways depending on the type of Medicare plan you choose.

Two of the most popular ways to get prescription drug coverage include:

• Original Medicare (also called Medicare Parts A and B) with a separate prescription drug plan (Part D)
• An all-in-one Medicare Advantage (Part C) plan with prescription drug coverage included

Do Medicare Advantage plans include prescription drug coverage?

Most, but not all, Medicare Advantage plans include prescription drug coverage. Medicare Advantage plans are Medicare-approved private health insurance alternatives that take the place of Original Medicare, also known as Medicare Parts A and B. Most Medicare Advantage plans offer additional coverage that is not provided through Original Medicare, such as vision, dental, care for chronic illnesses and prescription drug coverage.

If you choose an all-in-one Medicare Advantage plan, you do not need to enroll in a separate prescription drug plan because it’s already included in your coverage.

It’s important to learn about the different kinds of prescription drugs covered in your plan and which pharmacies to choose so you can get the medications you need at the most affordable price.

What are the pharmacies included in our network?

MyAdvocate Medicare Advantage includes a pharmacy network of over 60,000 regional and national pharmacies. To have your prescriptions covered at the highest level, be sure to fill them at a pharmacy that’s part of our network.

How can you see if your prescriptions are covered?

A plan’s list of covered medications is called a formulary. You can use this tool to see if your prescriptions are covered and view other drug information, such as if a prescription requires prior authorization.

Tip: The formulary is divided into tiers or different cost levels. Using lower-tier or preferred medications can help you pay the lowest out-of-pocket cost.

To view our formulary, click here.

What else is important to know?

Our Medicare Advantage plans include the Part D Senior Savings Model to provide a stable copay for certain types of insulin. In addition, you can have over-the-counter (OTC) medications shipped directly to you. Depending on your plan, you’ll receive a credit each quarter to purchase medications such as aspirin or cold and flu medicine.

More resources:
Medicare Part D terms to know
Understanding pharmacy and drug coverage

Download a free guide to Medicare Advantage plans from MyAdvocate Medicare Advantage or contact a licensed agent at (888) 535-4831 (TTY: 711) Monday through Friday from 8 a.m. to 5 p.m. local time, excluding holidays, to learn more.

Last Updated On: 8.28.25 at 1:00 PM