If your not familiar with a Medicare Part D plan, understand that it covers drug prescriptions. Original Medicare does not cover drug prescriptions, and neither does a Medicare Insurance Plan. In 2014, you will have the choice on average, between 35 prescription drug plans. If you are receiving Low-Income Subsidies in 2013 you will have access to a modestly higher number of plans for no monlthy premium in 2014 compared to 2013, but you may have to switch plans to reap the benefits of being a smart shopper in a changing market. Feel free to use our Drug Prescription Price Calculator to get an estimate for your Part D premium.