Before the start of the Medicare Part D program, Medicare Supplement "Plan H”, “Plan I”, and “Plan J” were available and included some form of drug coverage. But these older Medigap plans
are no longer being sold and the existing "grandfathered" plans may not include "creditable"
prescription drug coverage.
As noted by the Centers for Medicare and Medicaid Services (CMS):
"Each Medigap [or Medicare Supplement] issuer is required annually to make the determination of whether its plan is creditable coverage based on the rules set forth in the final Title I regulation.
CMS does not believe that [Medicare Supplement] "Plan H" or "Plan I" will meet the definition of creditable prescription drug coverage, and that it is unlikely that the drug coverage in any "Plan J" will meet the definition."
Please note that anyone
who still has one of these older Medigap plans cannot have
prescription drug coverage through their Medigap plan and also enroll in
a stand-alone Medicare Part D drug plan
at the same time.
If you have
one of the older Medigap policy that includes prescription drug coverage
and you choose to join a Medicare Part D drug plan (PDP
), you should
notify your Medigap insurer.
If you choose to keep your Medigap policy
for your other health expenses, the insurer will remove the drug
coverage from the Medigap policy, and adjust the Medigap premium. In
some cases, the insurer is also required to offer you a different
Medigap policy that doesn’t include prescription drugs.
(Source: U.S. Department of Health & Human Services)