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Other Government Insurance + Part D


The types of insurance listed below are all considered creditable prescription drug coverage, and in most cases, it will be your advantage to keep this coverage if you have it.

Federal Employee Health Benefits (FEHB) Program: This is health coverage for current and retired federal employees and covered family members. FEHB plans usually include prescription drug coverage, so you don't need to join a Medicare drug plan. However, if you decide to join a Medicare drug plan, you can keep your FEHB plan, and in most cases, Medicare will pay first. 

Veterans' Benefits: This is health coverage for veterans and people who have served in the U.S. Military. You may be able to get prescription drug coverage through the U.S. Department of Veterans Affairs (VA) program. You may join a Medicare Prescription Drug Plan, but if you do, you can't use both types of coverage for the same prescription at the same time.

TRICARE (military health benefits): This is a health care plan for active-duty service members, military retirees, and their families. Most people with TRICARE who are entitled to Part A must have Part B to keep TRICARE prescription drug benefits. If you have TRICARE, you don't need to join a Medicare Prescription Drug Plan. However, if you do, your Medicare Prescription Drug Plan pays first, TRICARE pays second. 

If you join a Medicare Advantage Plan with prescription drug coverage, your Medicare Advantage Plan and TRICARE may coordinate their benefits if your Medicare Advantage Plan network pharmacy is also a TRICARE network pharmacy. Otherwise, you can file your claim to get paid back for your out-of-pocket expenses. 

Indian Health Services (IHS): The IHS is the primary health care provider to the American Indian/Alaska Native Medicare population. The Indian health care system, consisting of tribal, urban, and federally operated IHS health programs, delivers a spectrum of clinical and preventive health services through a network of hospitals, clinics, and other entities. If you get prescription drugs through an Indian health facility, you'll continue to get drugs at no cost to you and your coverage won't be interrupted.  Joining a Medicare drug plan may help your Indian health prescriptions. 

  • Note: If you're getting care through an IHS or tribal health facility or program without being charged, you can contribute to do so for some or all of your care. Getting Medicare doesn't affect your ability to get services through IHS and tribal health facilities.
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