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There are generally two ways to get Medicare prescription drug coverage: join a Medicare Prescription Drug Plan (PDP) or a Medicare Advantage (MA) Plan. A person can also enroll in an employer or union-sponsored plan. To join a Medicare Prescription Drug Plan, a person must have Medicare Part A and/or Part B. To join a Medicare Advantage Plan (like an HMO or PPO), a person must have Part A and Part B. The person must also live in the service area of the Medicare drug plan he or she wants to join.

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