No, not every Medicare Advantage plan includes prescription drug coverage. Most plans are Medicare Advantage Prescription Drug plans (MAPDs), which combine medical and Part D drug coverage in one plan. However, certain Medicare Advantage plans (such as some Private Fee-for-Service (PFFS) or Medical Savings Account (MSA) plans) do not include prescription drug coverage.
In most cases, if your Medicare Advantage plan does not include drug coverage, you cannot enroll in a separate Medicare Part D plan. Only specific plan types that do not include drug coverage allow you to add a standalone Part D plan.
Reviewing the drug coverage details before enrolling is important to avoid gaps in coverage or late enrollment penalties.