Medicare Part D

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Medicare Insurance

What is Medicare Part D?

Medicare Part D provides prescription drug coverage, depending on your needs. Whether it would fall under preferred generic, generic, preferred brand, or non-preferred drug, this standalone plan helps cover the cost of your outpatient prescription medication. If you have an existing Medicare plan, you can enroll separately in Medicare Part D offered by ABear Insurance. By doing this, you can reduce medication costs that are not covered by your Medicare plan and better manage short-term illnesses, chronic diseases, and even mental health conditions. If you are interested in knowing more about this Medicare drug coverage, our team is committed to guiding you through the process and helping you understand the medications and vaccines covered under this plan. You can count on us to help you get the most out of your Medicare Part D coverage.

What Does Medicare Part D Cover?

HIV Treatment

Living with HIV can be challenging, as it requires access to crucial medications that often come at a high cost. At ABear Insurance, we provide assistance in obtaining Medicare Part D coverage for approved antiretroviral medications as classified by the Affordable Care Act (ACA). As long as your physician prescribes the medication, you may qualify for assistance with the costs of all antiretroviral medication drugs under the Medicare plan

Antidepressants and Antipsychotic Medications

Antidepressants and antipsychotic drugs help treat mental health conditions. These medications are part of the six protected classes, which means they are required to be covered by Medicare Part D. To qualify, a physician should diagnose you, and the medication prescribed should be approved by the Food and Drug Administration (FDA). We at ABear Insurance can guide you through the process to ensure that if you have been diagnosed and prescribed FDA-approved medication, you may be eligible for reduced prescription costs through Medicare Part D.

Immunosuppressant Drugs

Medicare Part D formularies are required to include immunosuppressant drugs that are not covered by Part B. This is important for individuals who have undergone a transplant and were under insurance during the time of the transplant. In such cases, Medicare Part D covers the cost of immunosuppressant medications. However, there are also instances where insurance holders may face denials, which is why our team at ABear Insurance is here to assist you in seeing to it that your plan covers the medication you need.

Antineoplastics Drugs

Managing cancer can be a tough experience due to the high costs of cancer medication, which can affect your finances. Through Medicare Part D, the costs of your oral chemotherapy drugs will be covered along with your anti-nausea drugs, pain medications, and other necessary treatments. At ABear Insurance, we are dedicated to helping you understand your plan's formulary to optimize your coverage for cancer treatment, providing vital prescription drug benefits during this difficult time.

Who is Eligible for Medicare Part D?

To be eligible for Medicare Part D, you should be at least 65 years old and enrolled in Medicare Part A and/or B. If you have received Railroad Retirement or Social Security benefits for at least 2 years, you can also apply for Medicare Part D at ABear Insurance. Apart from age and existing disability benefits, certain medical conditions can also make you eligible, such as amyotrophic lateral sclerosis, end-stage renal disease, or kidney failure requiring a transplant. Additionally, children diagnosed with end-stage renal disease can also qualify if one of their parents is eligible for Social Security benefits.

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Why Choose ABear Insurance?

Founded with a passion for education, we at ABear Insurance continuously strive to provide expert guidance to our clients so they can make informed decisions about what insurance they will need. Our commitment to helping our clients by simplifying the complexities of Medicare and other types of insurance is what sets us apart from other insurance companies. When you leverage our expertise, you can be at peace, knowing you will receive unparalleled support and guidance in maximizing your insurance benefits.


As an independent insurance agency, we take pride in curating personalized services for our clients in the Dallas-Fort Worth, Texas area. Our seasoned insurance agents work attentively to understand your needs and budget to identify the optimal insurance solutions for you at an affordable price. The work we put out is a mirror of our dedication to providing first-rate customer service, offering detailed recommendations and options that align with your requirements. Here at ABear Insurance, your health is our priority! Reach out to us today to schedule a consultation on Medicare insurance.

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