• Jun 24, 2025
• By Cervantes

How to Get Prescription Drug Coverage Without Medicare Part D

Medicare Part D provides prescription drug coverage for millions of seniors, but it’s not the only option available. If you’re looking for alternatives—whether due to cost, eligibility, or personal preference—there are several ways to secure prescription drug coverage without enrolling in Part D. Below, we explore viable alternatives to help you maintain access to affordable medications.

1. Employer or Union-Sponsored Health Plans

Many retirees and older adults continue to receive health benefits, including prescription drug coverage, through former employers or unions. These plans often provide comparable or even better coverage than Medicare Part D. Check with your benefits administrator to confirm whether your plan includes creditable coverage (coverage that meets or exceeds Medicare’s standards).

2. Veterans Affairs (VA) Benefits

If you’re a veteran, the U.S. Department of Veterans Affairs (VA) offers comprehensive prescription drug coverage through VA health benefits. Eligible veterans can fill prescriptions at VA pharmacies or through the VA’s mail-order service, often at significantly lower costs than commercial plans.

3. Medicaid

Low-income individuals may qualify for Medicaid, which includes prescription drug coverage. Eligibility varies by state, but Medicaid often covers medications with little to no out-of-pocket costs for enrollees. Dual-eligible beneficiaries (those with both Medicare and Medicaid) automatically receive drug coverage through their state Medicaid program.

4. Medicare Advantage (Part C) Plans with Drug Coverage

Some Medicare Advantage (Part C) plans include prescription drug coverage (MAPD plans). If you prefer an all-in-one alternative to Original Medicare (Parts A and B) and Part D, explore Medicare Advantage plans in your area that bundle medical and drug coverage.

5. Prescription Assistance Programs (PAPs)

Pharmaceutical companies, nonprofits, and state programs often offer Prescription Assistance Programs (PAPs) to help uninsured or underinsured individuals afford medications. Programs like NeedyMeds and RxAssist provide resources to find discounts, coupons, and free medications based on financial need.

6. Discount Pharmacy Cards and Mail-Order Pharmacies

Discount programs like GoodRx, SingleCare, and Blink Health negotiate lower drug prices at retail pharmacies. Additionally, mail-order pharmacies (such as Cost Plus Drugs) offer generic and brand-name medications at reduced prices without requiring insurance.

7. Health Savings Account (HSA)-Eligible High-Deductible Plans

If you’re not yet on Medicare, an HSA-eligible high-deductible health plan (HDHP) allows you to save pre-tax dollars for medical expenses, including prescriptions. While this isn’t direct insurance coverage, it provides a tax-advantaged way to manage drug costs.

8. Indian Health Service (IHS) or Tribal Coverage

Native Americans and Alaska Natives may receive prescription drug benefits through the Indian Health Service (IHS) or tribal health programs. These services often provide medications at no cost or significantly reduced prices.

Conclusion

While Medicare Part D is a common choice for prescription drug coverage, it’s not the only option. Employer plans, VA benefits, Medicaid, Medicare Advantage, and discount programs can provide affordable alternatives. Evaluate your eligibility, compare costs, and choose the best solution to ensure you have access to necessary medications without unnecessary financial strain.