Important announcement: Following the 2026 merger of Patient Advocate Foundation and the PAN Foundation, this website is now part of Patient Advocate Foundation and remains active during the transition. If you are currently receiving assistance, or would like to apply, visit TotalAssist.org to find your fund and access your account. For help by phone, call 866-512-3861, Monday through Friday, 8:30am to 5:30pm ET. Learn more about the merger and our organization.
Our Medicare education guides
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Medicare open enrollment
Medicare open enrollment is October 15 through December 7 each year. Medicare plans make changes to benefits and costs that you may want to consider for the coming year. Learn how you can prepare for your upcoming Medicare Part D coverage.
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Understanding the Medicare Part D cap
There is an annual limit (cap) on what people with Medicare and Medicare Advantage plans with prescription drug coverage would pay out-of-pocket for their prescription medications.
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Understanding the Medicare Prescription Payment Plan
Read our guide to the Medicare Prescription Payment Plan, a voluntary, opt-in Medicare Part D payment option that allows you to spread your out-of-pocket drug payments through the year.
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Extra Help program for people on Medicare
The Low-Income Subsidy (LIS) or Extra Help program, is a federal program for people on Medicare drug plans with limited income that helps pay for monthly premiums, annual deductibles, and copays. Our guide to Extra Help includes a tool to check your eligibility.
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Recursos educativos de Medicare
Lea nuestras guías sobre Medicare en español: Guías fáciles de entender sobre las reformas de Medicare, el tope de Medicare Parte D, el Plan de Pago de Medicamentos Recetados de Medicare y la inscripción a Medicare.
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Everything you need to know about Medicare reforms
Explore our guide to key reforms to Medicare and how they impact your benefits as a Medicare enrollee.
Thank you to our sponsor
This content was made possible in part by an educational grant from Takeda Oncology.
Note: Patient Advocate Foundation maintains full independence in the creation of educational content, ensuring that the materials produced are objective, evidence-based, and free from donor influence.