Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Dec 5, 2021

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The Lowdown

  • Medicare Part D and Medicare Advantage plans often cover the costs of prescriptions you may get from a mail order pharmacy
  • Familiarize yourself with your plan to be sure you’re covered before you use any mail order pharmacy
  • Check to see if your plan requires prior authorization in order for a mail order prescription to be covered

Mail order pharmacies and prescriptions are becoming more popular every day.

With the convenience of having your medication mailed straight to your door and the opportunity to avoid potential disruptions and hazards that go along with visiting a pharmacy, mail order prescriptions are a wonderful idea.

But does my health insurance cover mail order medication? Are there mail order pharmacies that accept Medicare? And can you find an affordable Medicare pharmacy plan?

You may have to do some digging to find out whether your Medicare plan covers mail order pharmacies and prescriptions.

While you’re researching, be sure to use our free quote tool above to compare Medicare pharmacy insurance quotes and see what works for you.

Does Medicare cover mail order pharmacies?

Medicare Parts A and B do not actually cover drugs or prescriptions. If you currently have Medicare, you may be eligible for Part D, which is designed to help cover the cost of prescription drugs.

With Medicare, you can enroll in Part D, or you can find a Medicare Advantage plan — which falls under Part C — and add it to your existing coverage.

You can do some shopping to find Medicare Part C and Medicare Part D coverage through private insurance companies.

As you do this, you’ll be able to compare Medicare pharmacy insurance rates for both Medicare Part C and Part D and see which works best for you financially.

If you decide to buy Medicare pharmacy insurance by purchasing a Medicare Part C or Part D plan through an independent insurance company, you can then check the company’s guidelines for any mail order prescription options.

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Can I get prescriptions mailed to my house with Medicare?

As long as you have the right coverage, Medicare will help cover the cost of mail order prescriptions.

Top mail order pharmacies — like OptumRx and BCBS mail order pharmacy — accept Medicare plans as a form of coverage. With these options, it is likely that your prescription and pharmaceutical needs will be covered by Medicare.

You need to make sure you understand your particular benefits under Medicare Part C or Medicare Part D to know whether your mail order prescriptions will be covered.

If you ever have questions about what’s covered under your specific plan, don’t hesitate to contact a good health insurance agent. They will be able to walk you through your coverage and help answer any questions you have.

Does Medicare require prior authorization?

In some cases, Medicare Part D may require you to receive prior authorization before you can get a mail order pharmacy prescription.

Your doctor may have to call your plan before writing any prescriptions to ensure you can get your medication via a mail order pharmacy. This is so your doctor can prove the drug is medically necessary.

If you’re looking for a Medicare plan that will allow you to receive prescriptions from a mail order pharmacy, you should do your homework. Speak to your doctors and physicians. Look online to see which programs might work best for you.

There’s no need to spend more money and miss out on the convenience of a mail order pharmacy if you don’t have to.

And while you’re at it, compare different Medicare pharmacy insurance companies to be sure you have the best plan. You can use our free tool below to compare quotes and save money.