By May 15 this year, if not yet for the program, it is possible in the drug coverage, or pay the penalty to apply, after the deadline. The penalty is an increase of 1% of the premium for each month after May 2006, which make the connection. The following is step by step to have an impact on the foundations of Medicare Part D, cut the jargon and know exactly what you need to know. Step 1: The conditions of participation. Are you in favor of the Medicare drug plan? In other words, if you opt for Medicare Part A or B, you're eligible for Part D. Step 2: the cost. What is the Medicare Part D cost? Development costs for drugs in the region of $ 0 - $ 250, you pay 100% of costs. When and if the costs are between $ 250 - $ 2250, plan for 75% and you pay 25%. At this time, the famous gap in coverage, often called "Donut hole" is about the substance, if all the costs of drugs, including what you and the plan of regulation, more than $ 2250 per year, pay 100% of your drug costs after that date to $ 3600 in out-of-Pocket - Costs ($ 5100 in total drug costs). But having abandoned the "Donut holes", you need only 5% of the cost of medicines. What you pay the normal costs of insurance, as part of a drug. If you do not qualify for extra help, you pay the monthly premium, annual pro-rated and the co-payment or coinsurance for each prescription. If you qualify for extra help with a small income, you pay: few or no monthly premiums, low or no annual pro rata basis, little or no CO-pay or coinsurance for each recipe, and not bothering to close the lid . Diseases drug plan, you must cover the drug in one of many public and private projects are available for Medicare Part D. This is normally the date when humans are not clear. There are many projects to choose from, and at the end for you depends on your unique situation. Find the lowest cost plan total of 'year, including premiums, deductibles, copayments or co-insurance for each recipe and all costs are borne by drugs in a vacuum. To compare the best plans available, go to a drug http://www.medicare.gov Finder. Step 3: drugs and medicines. The choice of an insurance company requires that you have a selection on the basis of the specific drugs you need. The list of drugs, known as distribution. Thus, if the decision that is best for you, the cost is a consideration - you should also make a selection based on the nature of drugs and medicines. Generic drugs are trademarks and collections of the formula, but if you have a drug is not listed, or you're paying for everything, or move to a similar drug, under the plan. Step 4: Add. The request for a plan is, fortunately, easier than you think. It is possible through the map or Medicare.gov. Another option: Call the company with the desire that you, or call directly to the disease.