Enrolling in Part D Prescription coverage is voluntary unless receiving benefits from Medicaid. If you already have sufficient (creditable) prescription coverage through a group plan or VA benefits then it is not necessary to join a Part D plan. There are two ways to get Medicare Prescription Drug Coverage. Stand Alone Prescription Drug Plans
When turning 65 you have an opportunity to enroll in Medicare as long as you or your spouse have worked for at least 10 years in covered employment and you are a citizen or permanent resident for at least 5 years. You are also eligible for Medicare if you have End Stage Renal Disease (ESRD)
Medicare Part C Medicare Advantage Plans are sometimes called Medicare Part C or MA Plans and are offered by insurance companies that are approved by Medicare. Medicare Advantage Plans must cover all of the services that Original Medicare covers. Along with your Medicare Part B premium most Medicare Advantage plans also require a monthly premium.