The University of Michigan strongly urges Medicare-eligible prescription drug plan members and their enrolled dependents not to enroll in Medicare Part D (prescription drug coverage) except under certain circumstances:
- Active employees and dependents – do not enroll in Medicare Part D
- U-M retirees or employees on long-term disability – only enroll in Medicare Part D if you apply for and are approved for Medicare low-income prescription drug assistance. The university advises you to continue your U-M health plan in this case.
The U-M prescription drug plan offers more comprehensive coverage and lower out-of-pocket costs for most members than Medicare Part D. If you do not enroll in Medicare Part D and continue your enrollment in the university’s health insurance plan (which includes both medical and prescription drug coverage), you will be able to enroll in Medicare Part D in later years without any financial penalty.
If you enroll in a Medicare Part D plan, your Medicare Part D plan will be your primary prescription drug coverage and must be billed first. You must follow all Medicare Part D rules and policies when filling prescriptions. Your U-M drug plan administered by Magellan Rx will provide secondary coverage and should be billed after Medicare Part D.
For information and applications for Medicare low-income prescription drug assistance, visit a local Social Security office, or contact the Social Security Office at 1-800-772-1213 (TTY 1-800-325-0778) or online at ssa.gov.