Why Purchase a Part D Plan

Why purchase a Part D Plan


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A Part D plan may be purchased by anyone who has Medicare Part A and/or Part B and lives in a plan’s service area.

Although enrollment in a Part D plan is not required, a Part D plan may help lower your prescription drug expenses, as well as protect you against higher costs in the future. Even people who do not currently take any medications should consider joining a plan for three reasons:

  1. You may be charged a late-enrollment penalty if you decide to join Part D at a later date (unless you have had creditable coverage (that is, coverage that pays as well as a standard Part D plan) since you first became eligible for Medicare).
  2. Illnesses and/or accidents are not uncommon even while practicing healthy lifestyle habits. Medications needed to treat an unplanned medical event could be expensive.
  3. Advances in pharmaceuticals continue to bring us effective medications, but many of these drugs carry a high price.

Not everyone needs a Part D plan, however. Some people on Medicare don’t need one of these plans because they already have other drug coverage, such as through a current or former employer.

Once enrolled, you’ll have access to more than 67,000 pharmacies. Click here to view the Tennessee Network Pharmacy Directory.

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You may also use a pharmacy that is not in our network. However, if you go to a pharmacy outside the network, you may have to pay more for your prescriptions, and you may have to file a claim to be reimbursed. You will be responsible for payment of any difference between the non-network pharmacy’s charge and the amount the plan allows. 

If you would like to request a printed copy of the pharmacy directory please call 866-643-6924 (TTY 711) Hours: 8am-8pm, 7 days a week.

Medicare beneficiaries with limited incomes may qualify for the Medicare Part D “Extra Help” program. This is also known as the Low Income Subsidy (LIS) program. 

The program was designed to help people with limited incomes pay for prescription drugs. If you qualify for Medicare Part D Extra Help, you will pay less in drug premiums and copayments or coinsurance. You also will be covered during the Coverage Gap (the “Donut Hole”), and you will not have to pay late enrollment penalties. For more information on the LIS Extra Help Program, click here.

Click Here for a 2018 summary of monthly plan premiums for those eligible for extra help.

If you have multiple chronic conditions you may be invited to participate in the Medication Therapy Management Program (MTM). The program is designed for those who have two (2) or more chronic conditions and take a minimum of six (6) different chronic/maintenance medications, or are likely to incur more than $3,697 in annual drug costs. The MTM program offers participants direct access to health care professionals to help them better manage their health and health care expenses. Participation is optional, and you may choose not to participate.

For more about who is eligible for MTM and how the program can help you, click here.


Medicare beneficiaries may also enroll in Farm Bureau Essential Rx or Farm Bureau Select Rx through the CMS Medicare Online Enrollment Center located at

Ready to Enroll?

Farm Bureau Health Plans is proud to offer two Medicare Part D prescription drug plans at an affordable cost.

Get started by calling 844-368-8738 (TTY 711)