Medicare Supplement insurance policies do not provide prescription drug coverage.

If you have Medicare Supplement insurance (Medigap), you should be able to get prescription drug coverage through a Medicare Part D prescription drug plan.

Medigap policies used to offer prescription drug coverage until January 1, 2006, when the drug coverage benefit was removed.

Prescription coverage in older Medigap plans

The older Medigap plan options with prescription drug benefits are Plans H, I, and J. The 3 plans are no longer available for purchase.

Although insurance companies cannot sell a Medigap plan with prescription drug coverage, the plans that were sold before 2006 are still valid for use. You cannot be enrolled in one of these Medigap plans and a Medicare Part D plan at the same time. According to Medicare.gov, if you are enrolled in one of these Medigap plans and want to enroll in a Part D plan, your insurance company must remove the prescription drug coverage from the plan, which will likely change your monthly premiums. For more information about this option, please contact your Medicare Supplement insurance provider.

Getting prescription coverage

If you are enrolled in Original Medicare and Medigap, you can get drug coverage in two ways.

You can enroll in a Medicare Part D plan, or you can drop your Medigap policy and enroll in a Medicare Advantage plan that includes prescription drug coverage. You cannot be enrolled in a Medicare Advantage policy and a Medicare Supplement insurance policy at the same time.